Florida Insurance Claims Lawyer
Hiring a Florida insurance claims lawyer may be necessary if you are being mistreated by an insurance company while attempting to obtain financial compensation for an accident, injury or property damage. Insurance companies are notorious for wrongfully rejecting claims, undervaluing losses and taking advantage of clients. At Williams Law, P.A., our Florida insurance claims attorneys are passionate about defending the rights of claimants. We can stand by you during an insurance dispute. Contact us today to discuss how we can help.
Why Choose Williams Law, P.A.
- With over 20 years of experience, our law firm has successfully handled hundreds of insurance claims. We have the power to handle even the most complex cases.
- We are dedicated to providing outstanding client services. Our attorneys are committed to their clients at every phase of the legal process. Your success is our success.
- Our Florida insurance claims lawyers operate on a contingency fee basis, meaning they don’t charge for their services unless they win the case.
Florida Insurance Claims Resources & FAQs
- When to Hire a Florida Insurance Claims Lawyer
- How Much Does an Insurance Claims Lawyer Cost in Florida?
- How to File an Insurance Claim in Florida
- What Is the Time Limit on an Insurance Claim in Florida?
- Tips for Speaking to an Insurance Claims Adjuster in Florida
- What Is Insurance Bad Faith? What Are Common Examples?
- What to Look for in Your Florida Insurance Claims Lawyer
When to Hire a Florida Insurance Claims Lawyer
Policyholders purchase insurance and keep up with their payments under the belief that should anything happen, their insurance companies will uphold their end of the deal and offer fair benefits according to the terms of the policy. Unfortunately, insurance carriers are for-profit companies that may use many different tactics to minimize client payouts. A Florida insurance dispute lawyer protects claimants from being taken advantage of by large and powerful insurance companies.
You may need to hire a Florida insurance claims lawyer if an insurance carrier is mishandling your claim. For example, if the carrier is not offering coverage up to your policy’s maximum or has rejected your claim without a valid reason, you may need legal assistance to go up against the company and argue for a fair settlement. A lawyer can represent your rights and best interests – as well as improve your peace of mind after a disaster – by negotiating with an insurance provider on your behalf.
How Much Does an Insurance Claims Lawyer Cost in Florida?
The goal of hiring an insurance claims lawyer in Florida is to increase your payout for property damage, physical injuries or other losses. In this vein, Williams Law, P.A. operates on a contingency fee basis to protect our clients’ recoveries. We will never recover more than you do for a claim and will front all of the costs of your insurance claim or lawsuit for you.
At the end of your case, if we succeed in securing financial compensation for you, we will take our fee as a reasonable percentage of the settlement or judgment award. If we do not win your case, we will not charge you anything for our legal services, guaranteed. In addition, under Florida law, if an insurance company is guilty of bad faith, it may be forced to pay for your attorney’s fees in addition to paying the underlying claim.
Clients and Claims We Represent
Williams Law, P.A. has been going up against insurance companies since its inception in 1995. In that time, Attorney K.C. Williams and his associates have established themselves as aggressive insurance claim lawyers with a long track record of success. We represent a variety of clients and insurance claim types, including:
- Property owners
- Homeowners insurance claims
- Business owners
- Property damage claims
- Flood claims
- Storm damage claims
- Hurricane damage claims
- Bad-faith insurance claims
- Hail & wind damage claims
- Sinkhole damage claims
Filing a claim against a specific insurance company? We handle cases for Citizens Property Insurance Corporation claim denials, United Property and Casualty (UPC) Insurance claim denials, and Universal Property and Casualty Insurance claim denials, and more.
Don’t see your type of claim on this list? Contact us for an in-depth review of your specific situation. This is not a comprehensive list of every type of case that we accept. We offer free initial case consultations, where you can speak directly to an insurance claims attorney about your specific issue.
How to File an Insurance Claim in Florida
If you suffer any type of loss, such as damage to your vehicle or property, there are steps that you should take before filing an insurance claim. An insurance company will check to see if you took all of the required and appropriate steps before filing your claim. This will factor into its decision to accept or reject the claim. Take the following actions when pursuing an insurance claim in Florida, if possible:
- Protect your property (mitigate your losses). Your first step is to mitigate your losses. This means to protect your property from further damage, such as by boarding up your windows if they were broken in a hurricane to avoid additional water damage. If you fail to take steps to reduce your losses, an insurance company may use this as an excuse to deny benefits.
- Document everything. Start documenting everything as early as you can in the process. The more information and evidence that you collect, the stronger it will make your claim. Take photographs of your property damage and create a list of all of your damaged items, along with the value of each. Keep all of your receipts for travel and repair costs, as well.
- Request an advance, if necessary. If you need money to pay for things while you wait for your insurance claim to be processed, such as temporary home repairs or a stay at a hotel, you can request an advance on your claim from your insurance company.
- Understand your policy. Before you continue with the insurance process, read the terms and conditions of your insurance policy carefully. It can help to understand what is covered by your insurance company and the maximums on your policy before you file your claim. That way, you will understand your rights as a policyholder.
- File without delay. File your claim by calling your insurance company or the agent listed on your insurance card. Explain what happened, but do not admit fault for your property damage or injuries. File your claim as soon as possible to avoid missing important deadlines.
Recovering from a natural disaster or accident can be a long and stressful process – one that your insurance company may not make easier. The best way to handle an insurance claim is by having an attorney represent you from the start. An attorney will know how to handle the insurance process and protect your rights along the way. Working with an experienced lawyer can make your family’s recovery a little easier.
What Is the Time Limit on an Insurance Claim in Florida?
In Florida, laws known as statutes of limitations place time limits on the right to file an insurance claim or lawsuit. A statute of limitations on a personal injury case, such as a car accident or slip and fall claim, is four years from the date of the accident or discovery of the related injury in Florida. The time limit on a property damage insurance claim, however, is only one year, in most cases.
If an insurance company is guilty of a breach of contract, such as by wrongfully denying your insurance claim, a special rule extends the statute of limitations to five years from the date of the loss. In addition, you may have more time to file if you suffer additional damage from a windstorm or hurricane that comes after the initial damage (e.g., mold or mildew from water damage). Even if you think you might have missed your deadline to file an insurance claim, consult with our attorneys to find out if there is still time.
Tips for Speaking to an Insurance Claims Adjuster in Florida
Once you file an insurance claim, the insurer will assign a professional known as the insurance claims adjuster to assess your case. The adjuster works for the insurance company – he or she will share the company’s goal of saving as much money as possible on your claim. Even though the adjuster will be friendly and polite, do not trust the adjuster, as he or she does not want what is best for you after an accident.
Protect yourself by keeping the following tips in mind when speaking to a claims adjuster:
- Do not admit fault. Do not confess to causing the accident or contributing to your losses. Even if you believe this to be the case, wait for an investigation to determine fault rather than admitting it outright. Someone else may share fault.
- Do not agree to give a recorded statement. The recorded statement is a tactic used to get information to use against you later. Politely decline to give a statement to the insurer. A statement is not necessary to continue processing your claim, no matter what the adjuster says.
- Do not give more information than is necessary. Remain polite and answer the questions asked, but keep the information that you disclose basic. If you do not know the answer to a question, say that you don’t know. Don’t discuss your injuries until you have met with an attorney.
- Do not sign anything. You cannot take back most things once you have signed them, such as an insurance settlement or a Medical Authorization Release Form. This is why it is critical to speak to an attorney before signing anything sent to you by an insurance company.
- Do not accept the first settlement offer. An insurance claims adjuster expects you to negotiate back and forth, which is why the first settlement offer is often the lowest. Before saying yes to a settlement, talk to an attorney to find out the true value of your claim.
If you do not feel comfortable speaking to an insurance claims adjuster, you can hire an attorney to do so for you. An experienced Florida insurance claims lawyer will know exactly how to deal with insurance companies and their representatives in a way that protects your rights and increases the odds of achieving a fair settlement. You can rest and focus on your future while a lawyer takes care of the insurance process for you.
What Is Insurance Bad Faith? What Are Common Examples?
Insurance bad faith describes an insurance company failing to fulfill its legal obligation to handle a claim in good faith. Good faith means an honest attempt to resolve the claim, in accordance with the law and the terms of the insurance policy. Unfortunately, many insurance companies are guilty of behaving in bad faith when dealing with a claim, often in an attempt to save money on a client’s payout. Common examples of insurance bad faith in Florida are:
- Ignoring the claim or failing to respond in a timely manner.
- Delaying the investigation of a claim.
- Requesting an excessive amount of evidence or information from the claimant.
- Misinterpreting the terms of the insurance policy.
- Undervaluing the client’s losses.
- Offering less than what is available under the policy’s maximum.
- Wrongfully rejecting a valid insurance claim.
- Delaying the payout of an accepted claim.
- Using threatening language against a policyholder.
If you suspect an insurance company of bad faith, contact an attorney from Williams Law, P.A. for help. Our insurance bad faith lawyers can help you file a lawsuit against the insurance company itself if we find evidence of this type of wrongdoing. A bad-faith lawsuit could result in compensation from the insurer to penalize it for its actions, in addition to payment for your original losses.
What to Look for in Your Florida Insurance Claims Lawyer
If you are in the middle of an insurance claims dispute or have a potential bad-faith lawsuit, finding the right attorney to represent you is an important part of defending your rights. Not all attorneys are created equal. Take the time to research your options for a Florida insurance claims lawyer. Look for the following traits when choosing your attorney:
- Experience in your practice area and going up against major insurance companies.
- A history of positive case results, both in and out of court.
- Personal attention given to each case and client.
- Positive testimonials from past clients.
- Affordable fees and clear rates for services.
- Free initial consultations with an insurance claims lawyer.
There is a lot on the line for you as an insurance claimant. Finding the right attorney to represent you when going up against an insurance corporation that is mistreating you can make all of the difference to your legal experience and case outcome. Do not make your decision lightly. Discuss whether Williams Law, P.A. is the right fit for you during a free case review.
Contact an Experienced Florida Insurance Claims Lawyer Today
If disaster strikes you, your home or your business, you may need assistance from Williams Law, P.A. to secure fair financial compensation from an insurance company. Our Florida insurance claims lawyers are committed to helping clients preserve their rights and take a stand against insurance companies that are treating them unfairly.
Find out how we can help you in the aftermath of an accident or disaster. Call (800) 451-6786 or submit our online query form for a callback. We represent clients in Tampa, the Tampa Bay Area and throughout Florida.