Cause of Injury:

  • Heat or Cold Exposure 
  • Contact With 
  • Caught In or Between 
  • Fall or Slip – From Different Level 
  • Motor Vehicle Collision 
  • Strain 
  • Striking Against or Stepping On 
  • Struck or Injured by Object 
  • Absorption, Ingestion, or Inhalation 
  • Rubbed or Abraided By 
  • Miscellaneous Causes

Car Accidents:

A Guide for Policyholders on Residential Property Claim

In any case involving property loss caused by hurricanes and other natural calamities and even disputes with regard to the property insurance claim, a Florida accident lawyer knows how to keep his client safe and protected from all these troubles. Keep in mind that there are things that could not be avoided. Disasters and calamities caused by nature cannot be stopped. Property loss and recovering from the torments of nature is the most difficult to deal with. This article will enlighten policyholders when they needed to file for a claim in order to recover and move on with their normal routine.

Burning House

It is a good to know that the Florida law provided a mediation program to handle disputes between the insurance companies and policy holders in Florida involving losses caused to residential property by fire, hurricanes and other causes by nature. Thus, it is required of the insurance companies to notify and inform policyholders their right to mediate whenever the claim is disputed else, not resolved in a timely manner. It is also the duty and responsibility of accident attorneys to represent their clients during the litigation process up until the victim will be rewarded the right compensation to recover for the property loss.


What is mediation?


As personal injury lawyers explain, this is a process where a neutral third party meets the policyholder and the insurer in order to reach an agreement where both parties can accept.


Remember not to associate mediation with arbitration. Unlike the mediator, the arbitrator decides on how to resolve the issue with regard to disputes. On the other hand, the mediator only helps both parties to understand each other’s opinion and come up with an agreement which can resolve the issue.


Usually, the mediator meets with the insurance company or the policyholder privately and discusses each concern. At this point, each is asked to explain what they have to believe and what they are entitled to with regard to the insurance claim.


These mediators are trained and skilled professionals to resolve the disputes. They have been highly trained in both mediation practice and theory. In addition, they have to ensure that there should be no ties with either the insurer or the policyholder. In other words, they should not be biased. In any case where either of the parties is not in good terms or in conflict with the mediator, they can always request for a replacement of the mediator.  

Aftermath of a Typhoon

The Limits of Mediation


Mediation is always non-binding. This is what a personal injury lawyer Florida explains to his client. This simply means that neither the policyholder nor the insurance company is legally obligated to accept the outcome. Say if both parties have agreed upon the settlement. Each is given a 3-day grace period to whether or not to accept the agreement. This can be possible so long as the policyholder does not cash the settlement check and informed the insurance company that the decision has been rejected.


In conclusion, getting an insurance policy can always protect your home or your property. However, it is wise to learn on the things that should be done when unexpected things would happen such as disputes.

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