Tampa Homeowner Insurance Claims Attorney

Homeowners purchase insurance for the peace of mind they receive from the knowledge that damages to their largest asset will be covered. When homeowners have to fight their insurance company because the insurance company fails to live up to its obligation to pay legitimate claims, Williams Law, P.A., provides experienced, aggressive representation to hold them accountable.

From offices in Tampa, Brandon and New Port Richey, our insurance claim attorneys focus almost solely on clients who have had legitimate claims rejected, underpaid or otherwise unfairly dealt with by insurance carriers. We are experienced in this area of law. Firm founder K.C. Williams began his practice in commercial and homeowner insurance claims more than 20 years ago.

Did your insurance company refuse to pay for water, wind, fire or other storm-related damage to your home? If so, our Florida insurance claim attorneys can help. Call for a free consultation at (800) 451-6786.

Why Clients Choose Williams Law, P.A.

Experienced Representation For Property Insurance Claims

Depending on the terms of your insurance policy, a wide range of damages to your property may be covered. We have dealt with many types of homeowner insurance and condominium insurance claims, including:

When you contact your insurance company about a claim for damages to your home, your insurance company may pay your claim fairly. In many situations, however, insurance carriers can deny claims, inadequately investigate damages, underpay benefits or use other strategies to avoid paying a perfectly valid claim. When they do, we can help.

What Is Homeowners Insurance Bad Faith?

In Florida and throughout the U.S., insurance companies must obey specific laws that are designed to protect the insured. Title XXXVII of the 2021 Florida Statutes is the state’s Insurance Code. This Code establishes certain rules and ethics that insurance companies must abide by when processing claims.

If an insurance company violates a law or fails to settle a claim in good faith when it should have based on the circumstances, it can be held civilly responsible. Bad faith means that a homeowners insurance company did not act fairly and honestly toward the insured. When bad faith causes harm or damage to a claimant, the victim can file a bad faith lawsuit in pursuit of financial compensation for his or her related losses.

What Does Insurance Bad Faith Look Like?

There are many valid reasons for an insurance company to deny a homeowner insurance claim. The type of storm or disaster that damaged your home might not be a covered event under your policy. You might have stopped making payments in the months leading up to your claim, causing a lapse in coverage. Yet there are even more invalid reasons that an insurance company might deny your claim or withhold a payout. An insurance company will look for ways to protect its investors’ money. This includes the following bad faith tactics:

If you aren’t sure how an insurance company should handle your homeowners insurance claim or whether you are a victim of bad faith, consult with an attorney at Williams Law, P.A. We will listen to your story and review the facts to let you know if your claim has merit. If so, we can help you protect your rights when going up against your homeowners insurance company. We can represent you during an insurance dispute or bad faith lawsuit to demand justice.

How to Handle a Homeowners Insurance Dispute

If you are struggling to get your homeowners insurance company to offer a fair settlement for damage to your property, contact an attorney right away. The Tampa homeowner insurance lawyers at Williams Law, P.A. have been helping clients litigate insurance dispute claims and bad faith lawsuits for over 25 years. We can help you understand your rights and legal options if your homeowners insurance company has denied your claim or refused a fair payout.

First, we will help you understand your policy. We will interpret any legal jargon and look closely at the fine print. If we believe your insurance company is acting in bad faith by failing to uphold the terms of your contract, we can take over communications for you to try to resolve the issue. Our lawyers will demand answers from the insurance company, such as why it denied or devalued your claim. We can request an internal review at the insurance company as well as an external review.

If the insurance company continues to refuse to handle your homeowners insurance claim in good faith, we can represent you during a bad faith insurance lawsuit in Tampa. This is a civil claim against the insurance company in pursuit of financial damages for its part in causing you harm. We can help you file the correct forms with the Hillsborough County Clerk of Courts by the deadline and go up against your insurer before a judge and jury. Although most insurance disputes do not make it to trial, we are skilled litigators who are prepared to go to court on your behalf, if necessary.

What Damages Are Available in an Insurance Bad Faith Claim?

If your home or property has been damaged, you may be feeling overwhelmed and eager to collect a settlement from your homeowner insurance company. However, it is paramount to protect your rights during the claims process. Even if you have never missed an insurance premium, you may run into problems getting fair and full benefits for a claim. If there is proof that your insurance company handled your claim in bad faith, you could be entitled to financial compensation for the following damages:

Keep in mind that these damages may come in addition to a payout for your original homeowners insurance claim, which can include coverage for repairs to your home and travel costs while your property is under construction. They are meant to make up for the specific losses that you suffered because of insurance bad faith practices. Discuss the value of your homeowner insurance bad claim lawsuit with a Tampa attorney today for more information.

Free Initial Consultations • Contact Us Today

Our lawyers know the tricks that insurance companies use and know how to protect you against them. We will thoroughly investigate your claim and review your property insurance policy to determine the benefits to which you are entitled. We will work with your carrier to settle your claim favorably, but when the need arises we are experienced trial attorneys who are known for our willingness to take cases to trial.

We offer free initial consultations, and our cases are generally handled on a contingency basis. This means we charge attorneys’ fees and costs only when we obtain compensation for your claim. In many cases, our fees and costs may be paid separately from your claim by the insurance company.

For more information, contact us online or call us at (800) 451-6786.