Our Florida Property & Personal Injury Insurance Claims FAQs

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.

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.

An experienced Florida insurance attorney helps document losses, interpret complex policy language, challenge unfair denials, and pursue full compensation for property damage, business interruption, and extra expenses so businesses can recover and reopen as quickly as possible.

Florida Business Interruption Insurance

Business interruption insurance is a type of commercial insurance coverage that helps protect Florida businesses from financial losses when they’re forced to close or reduce operations due to a covered peril temporarily. This coverage is crucial in Flo...

Property insurance policies contain numerous provisions that determine what damage is covered and what is excluded. Among the most misunderstood yet critically essential provisions is the ensuing loss clause, also known as an anti-concurrent causation clause.

Yes. You can hire an insurance claim lawyer before filing a claim. Our expert insurance claim lawyers can help you avoid common mistakes that can jeopardize your claim, such as making statements that could be used against you or accepting a low initial settlement offer. This proactive approach.

What Should I Do Immediately After Storm Damage to My Roof?

Document all visible damage with photos and videos from multiple angles, including missing or damaged shingles, cracked tiles, damaged flashing, dislodged ridge caps, debris impact points, and interior damage like ceiling stains. Take photos before cleanup or repairs so insurance companies cannot dispute the e...

When your Florida home is damaged by a hurricane, water leak, or storm, your first call is usually to your insurance company. But what happens when the insurer decides who will repair your home, not you? This is the core issue behind managed repair programs (MRPs), and they’re becoming increasingly controversial across Florida.

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Disputing a property insurance claim can be a crucial step if you believe your insurer’s offer or decision is unfair or inaccurate. Here are situations when it may be worth considering a dispute.

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.

When protecting your property, homeowners’ insurance is your first line of defense. But many homeowners are surprised to learn that while their homeowner’s insurance covers damage to the garage, it typically does not cover vehicles stored inside. Let’s break down exactly what your policy does and does not include regarding cars in your garage.