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No matter how prepared you are, disasters or accidents can happen at any time. We know your main goal is to return to normalcy as soon as possible. It’s our job to help you down that road. You may have a claim and not even know it. Out Tampa personal injury lawyers want to keep you as informed as possible, so you completely understand the insurance claim process.

We will answer your questions about property claims, hurricane damage, car accidents, or your carrier’s negligence. We encourage you to take a look at the frequently asked questions below to learn more about your potential claim and what the next steps may be.


If we don't answer your question below, call us today at (813) 305-7697. We offer free case evaluations and work on contingency fees, meaning you have nothing to lose. Our knowledgeable insurance claim lawyers will be happy to answer your questions during an in-person meeting.

  • I was just in the middle of a natural disaster, and there is damage to my home. What can I do?

    Especially in Florida, weather events such as hurricanes are very common. To prepare for these natural disasters, we protect ourselves by paying monthly premiums to an insurance carrier. We operate with the understanding that when financial hardship strikes, they will be there to offer financial support. Unfortunately, we often see insurance companies underpay, deny, or purposely delay damage payments to homeowners. This puts you in a bad place to deal with no payments or insufficient payments.

    It’s your right to receive the compensation you were expecting without any negative consequences from your insurance company. Our firm offers free consultations to help you take the first steps. For more information, watch our FAQ videos about Hurricane Claims here.

  • I was in a car accident. Is this covered?

    If you were injured in an automobile accident, your insurance company or the other driver’s insurance could cover your damages. Florida drivers are all required by law to have car insurance. Under Personal Injury Protection, your insurance carrier is required to help you with up to $10,000 in repairs, medical bills, or other damages. However, some insurance companies do not pay their policyholder the full amount.

    When your carrier denies your claim or awards you less money than you are owed, call Jerry Jaramillo & Associates P.A. at (813) 305-7697. We can evaluate your case and determine if you’re being paid your entitled amount. For more information, watch our FAQ videos about Car Accidents here.

  • What do you mean by “bad faith?”

    When you pay monthly premiums for insurance coverage, you operate under the “duty of good faith.” This means you are trusting your insurance company to act fairly. When an insurance company operates in “bad faith,” then they are violating your agreement. This can happen in a number of ways such as negligence or denying a valid claim. In these cases, policyholders have the right to pursue legal action. Jerry Jaramillo & Associates P.A. is very successful in dealing with “bad faith” insurance companies. We can help you receive what you are owed. For more information, please watch our video FAQs here.

  • My claim was denied. Why?

    Insurance policies are designed to confuse the policyholder. This complexity allows an insurance carrier to deny you the full amount of compensation you are entitled to. Companies also twist language to meet their needs, which leaves you without the proper coverage.

    Insurance companies do have the right to deny or delay your claim if fault lies with the policyholder. However, if your rights as a policyholder are violated, you can bring in legal defense. Our firm consistently handles cases where medical bills are left unpaid from an auto accident or a pipe bursting causes a mold hazard. All of these events can be out of your control.

    When you have severe injuries or costly damages, insurance companies are known to underpay or outright deny a claim. It is their responsibility to defend you, and when they fail to do this, we step in to take appropriate action. For more information, please watch our video FAQs here.

  • How long does it take to file a claim?

    The timeline of settling a claim depends on a few different factors and can take anywhere from a few months to several years.

    No matter how long a case takes, we work tirelessly from beginning to end. Our expertise in courts, policy language, and insurance law allows us to defend your case as swiftly as possible. However, it is never a wise idea to settle too quickly as you can miss out on entitled damages. We will work with you to make sure you receive compensation as accurately and quickly as possible. For more information, please watch our FAQ videos here.

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