An accident attorney in Tampa really can make a difference if you are dealing with an insurance claim issue. They are often your strongest ally if you’re receiving the runaround from an insurance company that isn’t paying out, is deliberately giving a low payment, or flat out rejects what should be a legitimate payout.
It is no secret that homeowners and business owners in Tampa pay some of the highest insurance premiums in the country. But when disaster strikes, help from insurers can be stubbornly lacking. Rather than help, many policyholders face silence, denials, or offers that hardly dent their losses. That’s where The Black Law Company comes in. Their lawyers understand the methods that insurance companies use and, more importantly, how to fight back. If you’re hurt, overlooked, underpaid, or flat out denied, they’ll fight to get you what’s yours.
Key Takeaways
- An accident attorney in Tampa can handle and contest insurance claims that are not paid or delayed for policyholders.
- Bad faith is rampant among insurance companies that underpay claims, delay payment, or just deny a claim that should be paid.
- Florida law protects insurance policyholders, entitling them to attorney fees if the insurer is found to be acting in bad faith.
- They serve you and fight to get your full insurance benefits.
- A free consultation can help you learn about your rights and what you should do next.
Why Are Tampa Insurance Claims So Complicated?
If you’re paying thousands a year for property insurance, you expect it to work when you need it. But in Tampa, skyrocketing rates and natural disasters like Hurricane Ian have overwhelmed the insurance system. The average Floridian homeowner now pays over $4,200 annually, compared to just $1,500 nationally.
Insurers, facing growing claims, have tightened their belts. Instead of delivering on their promises, many are delaying claims, offering lowball settlements, or outright denying coverage. It’s a problem we see daily at The Black Law Company, and it’s why working with an accident attorney in Tampa is essential—especially when property damage follows a natural disaster or accident.
What Damages Do Insurance Claims Cover in Florida?
State-approved property and casualty claim settlement categories. The majority of Florida’s property and accident damage claims fall into these groups:
- Wind and hail damage (45.5%)
- Water and freezing issues (20%)
- Fire and lightning damage (24%)
- Theft and vandalism (10.5%) Other Successful Claims
Insurance is supposed to underwrite these losses, but coverage disputes can grow heated. Suppose you are dealing with hurricane damage, water damage claims, or loss of personal property due to an accident. In that case, we have the breadth of experience and comprehensive knowledge of Florida insurance law to advocate for your rights.
What If the Insurance Company Acts in Bad Faith?
When insurers don’t act in good faith, it’s easy to become frustrated — and even find yourself financially devastated. Carrier bad faith refers to when a provider unfairly denies or delays a legitimate claim, disregards policy stipulations.
Under Florida Statutes Section 624.155, a bad faith insurance claim can be made if:
- The insurer refuses to investigate your claim.
- You receive a denial without any valid explanation.
- The insurer fails to settle when it could have and should have.
An accident attorney in Tampa can take legal action to hold insurers accountable. At The Black Law Company, we understand the nuances of both Florida common law and statutory law, and we will pursue every legal option available to you—including filing a bad faith lawsuit if necessary.
You May Be Entitled to Attorney’s Fees—Paid by the Insurance Company
If your case is successful, the insurance company has to pay your legal fees and costs. Although the Florida law was intended to prevent policyholders from being financially penalized for pursuing justice, the section containing the clarification added last month allows insurers to consider increased costs due to risks associated with claims made by or on behalf of “disputed aliens” in rate filings.
How Can an Accident Attorney in Tampa Help You?
Our team at The Black Law Company represents clients across Tampa in property damage and accident disputes, from vehicle accidents to hurricane-related insurance claims. We know what tactics insurers use—and how to stop them.
We help clients who:
- Had their insurance claim denied or delayed
- Received a settlement offer that doesn’t cover the true costs
- Don’t know how to file a claim or what steps to take
- Suspect their insurer is acting in bad faith
- Are overwhelmed by paperwork and legal language
- From your initial consultation to the final settlement, we handle it all—so you can focus on recovery, not red tape.
Contact a Trusted Accident Attorney in Tampa Today
Here at The Black Law Company, we don’t put paper in a file—we fight for your tomorrows. Whether the insurance company is denying your property damage claim or you were hurt in a car accident and need to be compensated, you deserve to have your story told.
Our lawyers have the experience and prowess in insurance coverage disputes, and we reclaim millions for our clients. During a complimentary consultation, we’ll examine your claim, discuss your alternatives, and tell you how we can assist.
Speak to a proven Tampa personal injury lawyer at 813-321-7380 and let us be your voice in finding the answer.
Frequently Asked Questions
Can an accident attorney in Tampa help with a homeowner’s insurance claim?
Indeed, if your insurance provider denies your claim, delays it, or underpays you for a claim, a Tampa accident attorney can push back against the insurance company and fight to get you the full compensation that you deserve.
What is a bad faith insurance claim in Florida?
Bad faith refers to when an insurance company fails to act fairly and in good faith by settling a claim that would be agreed with fair or typical terms. It may be stalling on an investigation, denying a case without merit, or providing an insufficient settlement offer.
How much does it cost to get an insurance claim lawyer in Tampa?
With The Black Law Company, we operate on a contingency fee basis, so there is no payment up front, and if you win, often the insurance company pays for your attorney under Florida law.
What if my insurance company tries to lowball me?
Don’t accept a low settlement. Holler at a good lawyer who hopefully can read your policy, understand the amount of damages, and negotiate it or get before a judge.
What is the time limit for filing a bad faith insurance claim in Florida?
Typically, the state of Florida allows an individual five years to file a bad faith insurance lawsuit. But the exact timeline may differ, based on your circumstances. The sooner you talk to a lawyer, the better.
Services We Offer
- Auto Accident
- Boating Accident
- Bus Accident
- Motorcycle Accident
- Amusement Park Accident
- Brain Injuries
- Burn Injury
- Child Sexual Abuse
- Construction Site
- Dog Bite
- Medical Malpractice
- Metaverse Injury
- Negligence Security
- Ride Share Accident
- Sexual Assault
- Slip and Fall
- Spinal Cord Injury
- Train Accident
- Truck Accident
- Uninsured Motorist Claims
- Wrongful Death
Call us at 813-321-7380
