Tampa Property Insurance Claim Lawyer

Tampa Property Insurance Claim Lawyers

Williams Law Association, P.A. | Established 1995 | Over $300 Million Recovered for Florida Policyholders

Your insurance company collected your premiums. Now they’re denying your claim, delaying your payment, or offering a settlement that won’t cover your repairs. That’s not an accident, it’s a strategy. And it’s one that Williams Law Association, P.A. has been defeating on behalf of Tampa homeowners and business owners for nearly three decades.

We represent policyholders whose property insurance companies have failed them. No upfront fees. No hourly billing. We only get paid when you do.

Call (813) 288-4999 for a free case review.

Your Insurance Company Has a Team. So Should You.

When you file a property damage claim, your insurer immediately assigns an adjuster, a team of in-house attorneys, and sometimes an outside engineering firm, all working to minimize what they pay you. Most Tampa homeowners face this alone, without understanding their policy, their legal rights, or what their claim is actually worth.

Williams Law Association, P.A., levels the playing field. We’ve litigated against every major carrier operating in Florida: State Farm, Allstate, Citizens Property Insurance, Liberty Mutual, Universal Property & Casualty, Federated National, Heritage, Tower Hill, and others, and we know exactly how they operate. That experience directly benefits every client we represent.

Tampa Residential Property Insurance Claims

When disaster strikes, we help home and property owners in Tampa and throughout Florida file, dispute, or reopen insurance claims for:

Bad Faith Insurance Practices in Florida

Under Florida law (Fla. Stat. § 624.155), insurance companies must handle your claim in good faith. If they delay, underpay, or deny your valid claim without reason, they may be acting in bad faith.

Common Examples of Bad Faith Include:

Delaying investigations
Refusing to communicate
Lowballing damages
Misrepresenting coverage
Denying without a proper investigation

How We Handle Your Claim

Step 1 — Free Case Review: An experienced property insurance attorney evaluates your policy, your claim, the insurer’s denial or settlement offer, and the legal options available to you.

Step 2 — Independent Damage Assessment: We engage licensed Florida contractors, structural engineers, public adjusters, and other specialists who assess your damage independently and produce detailed, expert-supported documentation that insurance companies cannot dismiss with unsupported internal valuations.

Step 3 — Demand and Negotiation: Armed with independent expert evidence and our comprehensive knowledge of Florida insurance law, we present a demand to your carrier that establishes the full value of your claim and the legal consequences of continued underpayment.

Step 4 — Appraisal, Mediation, or Litigation: When carriers refuse to pay fair value, we pursue every legal remedy, including appraisal under § 627.7074, state-mandated mediation, breach-of-contract litigation, and statutory bad-faith claims under § 624.155. Our attorneys are experienced trial lawyers. Insurers know it. That knowledge matters at every stage of your case.

Why Tampa Property Owners Choose Williams Law Association, P.A.

Nearly 30 years of Florida property insurance litigation. We have been representing Tampa policyholders against major carriers since 1995. Through every major hurricane season, every shift in Florida’s insurance market, and every legislative change, carriers have lobbied for at policyholders’ expense.
Over $300 million recovered. Our results span the full range of property insurance disputes, including hurricane damage, water loss, fire claims, sinkhole damage, commercial property, and condominium insurance for individual homeowners, business owners, and associations throughout Tampa Bay and across Florida.
We know how the carriers operate. Decades of litigating against State Farm, Allstate, Citizens, Liberty Mutual, Universal P&C, and every other major carrier in Florida give our attorneys direct, current knowledge of the specific tactics each company deploys and the most effective strategies to counter them.
Established expert relationships. We work with Florida’s leading property damage professionals, licensed contractors, structural engineers, roofing specialists, geotechnical engineers for sinkhole claims, public adjusters, and forensic specialists whose independent assessments form the evidentiary backbone of our clients’ cases.
Tampa-specific knowledge. We understand Hillsborough County’s sinkhole exposure, Tampa Bay’s hurricane risk profile, the insurance implications of the region’s older housing stock, and the way local building code requirements affect repair and replacement disputes. Our knowledge is not generic; it is Tampa.
No fees unless we win. Williams Law Association, P.A., handles property insurance claims on a contingency basis. You pay nothing upfront and owe us nothing if we do not recover money for you. There is no financial risk in calling us.

Serving the Entire Tampa Bay Area

We represent clients across:

Tampa
Brandon
Riverview
Carrollwood
South Tampa
Temple Terrace
St. Petersburg
Clearwater
Lakeland
Sarasota
Fort Myers
Hillsborough, Pinellas, and Polk Counties

Frequently Asked Questions

How long does my insurance company have to pay my claim in Florida?

Under Florida Statutes § 627.70131, insurers must acknowledge your claim within 14 days and issue a coverage determination within 90 days. For catastrophic events, that window extends to 120 days. Carriers that miss these deadlines without justification owe statutory interest and may face bad-faith liability.

What should I do if my Tampa property insurance claim was denied?

Do not accept a denial as final. Review the denial letter for the specific exclusion or provision cited, preserve all damage documentation, and contact Williams Law Association, P.A. before signing any releases or accepting partial payments. Many denials that policyholders believe are conclusive are reversed or settled for significantly higher amounts through professional representation.

What is bad faith insurance, and how does it apply to my claim?

Bad faith under Florida Statutes § 624.155 occurs when an insurance company fails to settle a claim that a reasonable insurer would have paid. A successful bad-faith claim allows you to recover damages beyond your policy limits, plus attorneys’ fees and costs. In cases of gross insurer misconduct, punitive damages are available under Florida Statutes § 768.72.

Can I reopen a Florida property insurance claim after accepting a settlement?

Generally, signed settlement releases are final. Limited exceptions apply when the insurer committed fraud, concealed material information, or when a mutual mistake occurred about essential settlement terms. If you accepted a settlement under pressure or before understanding the full extent of your damages, contact us immediately to evaluate whether any basis exists to challenge the release.

Does hiring a property insurance attorney really make a difference?

Yes, consistently and substantially. Represented policyholders recover significantly more than unrepresented ones, often multiples of the initial offer rather than marginal improvements. Because we work on contingency with no upfront fees, there is no financial barrier to getting the professional representation that changes outcomes.

Get Help from Our Expert Tampa Property Insurance Claim Lawyers Today

We’re not a “volume” firm. We take on fewer cases so we can devote more time, strategy, and resources to yours. That means direct communication with your attorney, tailored legal strategy, and representation that’s focused on your success, not just another file number.

You’ve paid your premiums, and now it’s time to get the protection you were promised. If you’re dealing with a denied, delayed, or underpaid insurance claim, we’re ready to fight for you. Let Williams Law Association, P.A. help you level the playing field and secure the compensation you deserve.

Call us now at 1-800-451-6786 or request a free consultation.