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.
In Florida, construction defects are rarely the fault of just one party. State law allows property owners, condominium associations, and HOAs to pursue claims against any party whose actions contributed to defective construction.
Most construction defect cases in Florida settle before going to trial. In fact, roughly 90–95% of cases resolve through settlement, not a jury verdict. At Williams Law Association, P.A., we’ve handled hundreds of construction defect claims over nearly 30 years.
The answer is yes. Under Florida law, condominium associations have the legal authority to pursue construction defect claims on behalf of the community for defects affecting common elements and, in many cases, multiple units.
Determining whether you have a valid construction defect claim requires analyzing multiple factors based on Florida law, the specific problems affecting your property, when defects occurred and were discovered, and who bears legal responsibility for the defective construction.
After experiencing an accident, whether it's a car crash, slip and fall, or any other personal injury incident, maintaining comprehensive medical records becomes one of your most critical responsibilities. Your medical documentation serves as the foundation for your personal injury claim.
Failure to wear a helmet doesn't prevent recovery of compensation in Florida.
Unlike compensatory damages, which are designed to reimburse a victim’s measurable losses, punitive damages are meant to punish the defendant for outrageous behavior and discourage others from acting the same way.
When you're involved in a car accident, you expect the at-fault driver’s insurance to cover your medical bills, vehicle repairs, and lost wages. But what happens when the other driver doesn’t have insurance or doesn’t have enough?
Florida’s no-fault insurance laws can be both a blessing and a source of confusion for drivers who suffer injuries in a car accident. One of the cornerstones of no-fault insurance in Florida is Personal Injury Protection (PIP) coverage, which provides up to $10,000 for medical expenses.
A personal injury lawyer helps you maximize compensation, handles all negotiations with insurance companies, gathers evidence to prove your claim, ensures you meet legal deadlines, and represents you in court if needed. At Williams Law Association, P.A. in Tampa.
If an insurance company contacts you, it’s important to:
Avoid Giving a Statement: Do not provide a recorded statement without consulting your lawyer.
Do Not Sign Anything: Avoid signing documents or settlement offers without legal advice.
Contact Your Lawyer: Inform your personal injury lawyer
Avoid Giving a Statement: Do not provide a recorded statement without consulting your lawyer.
Do Not Sign Anything: Avoid signing documents or settlement offers without legal advice.
Contact Your Lawyer: Inform your personal injury lawyer
What percentage of personal injury cases go to trial? Less than 5% go to trial; most are settled during negotiation. However, our lawyers may recommend a trial if a fair settlement cannot be reached.
The efficient proximate cause doctrine is one of the most important legal principles in property insurance disputes, especially in Florida claims involving alleged pre-existing damage. It determines which cause of loss controls coverage when multiple causes contribute to the same damage.
A Florida commercial property insurance claim involves mandatory statutory deadlines, complex policy structures, and insurer dispute tactics that differ materially from residential claims. Florida law requires initial claims to be reported within one year of the date of loss.
A supplemental home insurance claim in Florida is a request for additional payment after hidden or newly discovered storm damage is found during repairs. It allows homeowners to recover for damage not included in the original settlement, subject to policy terms and deadlines.
A Proof of Loss is not the initial claim report. It is a later, sworn statement required by most Florida property insurance policies. If it is late, incomplete, or inaccurate, the insurer may delay or deny an otherwise valid claim.
When a covered property loss makes a home unlivable, ALE (Additional Living Expenses) coverage pays the extra costs required to maintain a normal standard of living while repairs are completed.
Understanding the Critical Difference Between Public Adjusters and Insurance Claim Lawyers
When your insurance company denies your hurricane damage claim or offers a settlement that won’t cover half of what repairs cost, you face an important decision about what type of professional representation you need. Many Florida homeowners don’t fully understand the...
Florida law does not allow insurance companies to handle property damage claims on their own timeline. Under Florida Statute § 627.70131