What Types of Claims Can a Home Insurance Claim Lawyer Handle?

Common Property Insurance Claim Categories We Handle

We specialize in helping policyholders fight back against insurance companies that fail to honor their obligations. From wind damage to fire loss, here’s a detailed breakdown of the types of claims a home insurance attorney can handle on your behalf.

Wind and Hurricane Damage Claims

Florida homeowners are no strangers to severe storms.

Our expert insurance claim lawyers can assist when:

Why legal help matters: Insurers often try to deny hurricane-related claims by invoking exclusions or arguing that damage pre-existed the storm. Williams Law, P.A.’s expert insurance claim lawyers can challenge these tactics with engineering reports and policy analysis.

Water Damage 

Not all water damage is covered, but our expert insurance claim lawyers help navigate tricky scenarios like:

  • Burst Pipes and Cast-Iron Pipes
  • Overflowing appliances
  • AC or plumbing line leaks
  • Undetected leaks that lead to mold

Mold claims are primarily aggressively fought by insurers due to the high cost of remediation. Our expert property insurance lawyers can fight for full compensation and hold the carrier accountable for acting in bad faith.

Fire and Smoke Damage Claims

Even small fires can cause substantial damage.

Legal help is crucial when:

  • Insurers delay payment due to “investigation”
  • Claims are underpaid for cleaning, restoration, or rebuilding
  • Disputes arise over smoke damage or odor removal

Lawyers also assist with temporary housing benefits (ALE – Additional Living Expenses) if your home is uninhabitable.

Roof Damage Claims

Roof claims are often wrongfully denied or underpaid.

Lawyers help in cases involving:

  • Wind-lifted shingles
  • Roof leaks after a storm
  • Hail 
  • Tree impact damage
  • Improper “patch repairs” ordered by adjusters

If the insurer denies replacement by labeling damage “cosmetic,” your insurance attorney can fight back using roofing experts and policy language.

Sinkhole and Foundation Damage Claims

Florida is prone to sinkholes, and insurers often resist paying for:

  • Structural cracking
  • Floor sagging or sloping
  • Foundation instability

Our expert insurance claim lawyers can secure geological testing, engineering reports, and policy interpretations to prove the claim and pursue the full scope of repairs or home replacement if necessary.

Denied or Underpaid Claims

Many policyholders turn to insurance claim lawyers after:

  • Receiving an unfairly low settlement offer
  • Being told the damage is excluded
  • Seeing their claim drag on with no resolution
  • Their claim is closed prematurely without payment

Legal action can reopen claims, demand full benefits, and recover interest or legal fees where applicable under Florida law.

Additional Living Expenses (ALE) Disputes

If your home becomes uninhabitable, your policy may include ALE coverage to pay for:

  • Hotel stays or rental housing
  • Increased food or transportation costs
  • Laundry, utilities, or storage expenses

Insurers often limit the duration or amount of these payments or deny eligibility. We help ensure you’re reimbursed for every dollar you spend while displaced.

Commercial Property and Business Interruption Claims

We serve a wide range of Florida businesses, including:

  • Retail Stores and Shopping Centers
  • Restaurants, Bars, and Hospitality Venues
  • Office Buildings
  • Manufacturing and Industrial Facilities
  • Hotels, Motels, and Resorts
  • Apartment Complexes and Multi-Family Housing
  • Condominium Associations and HOA’s
  • Storage and Warehouse Operations

Business Interruption:

If a covered peril forces your business to shut down temporarily, your policy may cover:

  • Lost profits
  • Fixed expenses
  • Temporary relocation costs

These claims are frequently underpaid or denied altogether. Insurance companies may challenge your financial records or argue that your business could have stayed open. Our expert commercial insurance lawyers can use expert accountants to prove your losses.

Don’t Let the Insurance Company Decide What You Deserve

If your home is damaged and your insurance company isn’t treating you fairly, one of our Florida property insurance claim lawyers can:

  • Investigate the loss
  • Interpret your policy
  • Fight denial or delay tactics
  • Pursue full compensation, including interest and attorney’s fees

Your insurance policy is a contract. If your insurer breaks it, you have the right to fight back, and our expert property insurance claim lawyers can help you win.