Our Florida Property & Personal Injury Insurance Claims FAQs
Do you have questions about Florida residential, commercial property insurance claims, or personal injury related insurance claims? Browse our FAQs to learn what to expect and how to protect your right to compensation after storm damage, sinkhole damage, roof damage, car accidents, slip and falls and other types of insurance claim disputes.
Florida construction defect cases are often resolved through settlement negotiations, mediation, or agreements to repair defective work, without going to trial. However, in some cases, litigation is required when builders, developers, contractors, or other responsible parties refuse to accept liability or offer adequate compensation for the damage.
Whether a construction defect case sett...
What Is Considered a Construction Defect in a Florida Condominium?
A construction defect is a problem involving the design, materials, workmanship, construction, repair, or alteration of a building that fails to meet applicable legal or construction standards.
Under Florida Statute § 558.002, con...
What Are Common Examples of Legal Malpractice in Florida?
Legal malpractice can arise from attorney negligence in personal injury litigation, insurance disputes, commercial litigation, real estate matters, and other areas of law.
Common examples of potential legal malpractice include:
How Much Is a Rear-End Accident Claim Worth in Tampa?
The value of a rear-end accident claim in Tampa depends on the severity of your injuries, medical expenses, lost income, long-term physical limitations, available insurance coverage, and the evidence establishing liability.
There is no standard settlement amount for rear-end collisions, and even accidents inv...
After a Tampa car accident, avoid admitting fault, apologizing, speculating about what happened, or making statements that minimize your injuries. Even comments such as “I didn’t see the other driver,” “I’m probably okay,” or “It may hav...
If your Personal Injury Protection (PIP) coverage is not enough to cover your medical bills after a Florida car accident, you may have additional options to recover compensation through the at-fault driver’s bodily injury liability insurance, your uninsured or underinsured motorist coverage, Medical Payments (MedPay) coverage, or your health insurance.
Florida is a...
A Tampa personal injury lawyer can help you protect your legal rights, establish liability, deal with insurance companies, and pursue compensation for injuries caused by someone else’s negligence.
From investigating the accident and gathering evidence to negotiating a settlement or filing a lawsuit, an experienced attorney can manage the legal complexities of your ...
Yes. If your Florida homeowners insurance claim involves significant property damage, a disputed repair estimate, or an inadequate settlement offer, consulting an insurance claim lawyer before accepting a settlement can help protect your right to recover additional benefits.
Insurance companies may offer settlements that do not account for the full extent of covered dama...
Yes. Most standard Florida homeowners insurance policies cover theft of personal belongings, including electronics, furniture, clothing, appliances, jewelry, and other insured property.
Depending on the circumstances and policy provisions, coverage may also extend to property damage caused during a burglary, such as broken windows, damaged doors, or forced-entry damage.<...
Florida homeowners generally have five years from the date of property damage to file a breach-of-contract lawsuit against an insurance company that wrongfully denies a covered claim. However, the deadline for filing a lawsuit differs from the deadlines for reporting property damage, submitting additional loss information, or requesting reconsideration of a denied claim.
Under Learn More
An Examination Under Oath (EUO) is a formal part of an insurance company’s claim investigation that requires a policyholder to answer questions under oath. The examination is typically conducted by an attorney representing the insurer, with testimony recorded by a court reporter.
An EUO is more than a routine conversation with an insu...
Florida’s former 90-day insurance claim rule generally required property insurance companies to pay or deny claims within 90 days. Under the current version of Florida Statute § 627.70131, that deadline has been reduced to 60 days for qualifying property insurance claims...
Florida condominium association insurance claims are often more complicated than homeowners claims because they involve multiple units, shared building components, substantial repair costs, and overlapping insurance responsibilities.
Disputes frequently arise over which damage is covered by the association’s master insurance policy, whi...
Tampa homeowners generally have one year from the date of loss to report an initial homeowner’s insurance claim and 18 months to submit a supplemental claim. Under Florida Statute § 627.70132, these deadlines apply to property damage claims involving hurricanes, windstorms, water damage, fires, and other...
A sudden and accidental water damage claim involves property damage caused by an unexpected, unintentional release of water, such as a burst pipe, ruptured water heater, or plumbing failure.
Florida homeowners insurance policies commonly provide coverage for resulting damage from these events, depending on the policy’s ...