FREQUENTLY
ASKED QUESTIONS

In your first consultation, we focus on understanding your situation. This may involve an accident, an injury, or a property damage insurance dispute. We listen to your story, review any documents you have, and answer your questions. Then we give you an honest assessment of your claim and explain the next steps.

Levin Litigation is committed to giving back beyond legal work. Our team supports local food banks and religious institutions by donating funds and providing assistance, helping feed hundreds of families. We also host community events, educational workshops, and a yearly writing contest offering a $2,500 scholarship to support students in the area.

Property damage insurance coverage usually includes perils such as fire, hail, windstorm (depending on the policy), theft, vandalism, and certain water damage (e.g. from burst pipes) to different areas of the house, such as roof and tiles. Most flood damage cases generally require a separate flood insurance policy. A homeowner’s insurance dispute lawyer can review your policy and explain all applicable exclusions or special deductibles in your case.

“Bad faith” refers to an insurer’s unreasonable actions regarding a valid claim, like unnecessary delays, lowball offers, failure to investigate properly, refusal to negotiate, or misrepresenting coverage exclusions. Under Florida’s laws, you can pursue damages for unethical insurance practices.

A fair offer should account for things like the full cost of repairs (or replacement), depreciation (if applicable), matching materials, building code upgrades, temporary housing costs, and loss of use. In case of doubts, it is best to check with an insurance dispute attorney before accepting the offer.

Generally, no. Most policeholders have the right to hire their own contractors and choose replacement materials, so long as they meet applicable building codes and insurer’s approval process. If the insurer insists on a specific contractor or materials, consult your local attorney to review whether that demand is appropriate.

It depends heavily on the complexity of the case. Simple claims may resolve in a few weeks or months; complicated or large property damage claims may take a year or more. If the insurer refuses to negotiate, you might need to go to court, which adds more time.

 If you’ve been injured, contacting an attorney early is often one of your best moves. A Florida accident lawyer can assess your case, advise you on what to (and not to) do, and prevent you from making missteps that hurt your injury claim. Leave it to our personal injury attorneys to handle communications, investigate facts, negotiate with insurers, and help you recover the full compensation you deserve.

As of 2023, you now have two years from the date of the accident to file a lawsuit for most negligence cases in Florida. If you wait too long, you may lose your right to pursue compensation, so it’s important to act quickly. Your lawyer would also need time to put together a strong case, so we suggest you hire a personal injury attorney as soon as possible.

Florida follows a modified comparative negligence rule. This means you can still recover compensation if you were less than 50% responsible. However, your compensation will be reduced by the percentage of your fault. In other words, if you are found to be more than 50% responsible for the accident, you may not recover anything. This is why we stress on hiring a personal injury law firm with experience and resources to help you with your case.

Initially, your PIP insurance or health insurance may cover your bills. In some cases, providers agree to treat you under a “letter of protection,” which means they’ll get paid out of your settlement. If we win your case, the at-fault party’s insurance may reimburse these costs.

Your personal injury settlement will depend on several factors such as the seriousness of your injuries, your medical bills (past and future), lost wages, whether you can return to work, and the impact on your quality of life. Insurance companies also look at liability (who/who all were at fault and to what extent) as well as the strength of your evidence.

Ideally, no. Insurance adjusters are trained to ask questions that may hurt your case. Always speak with your attorney first. At Levin Litigation, we can handle communications with the insurance company for you.

It depends. Simpler cases may settle in a few months, while more complex cases, especially those involving serious injuries or disputed liability, can take a year or longer. If the insurance company refuses to offer a fair settlement, we may need to file a lawsuit, which adds time but may increase the value.