Where the Fire Happened and Which Product Was Involved
The products behind these injuries are familiar ones: e-bikes and e-scooters charged in a garage or apartment, hoverboards left plugged in overnight, power banks carried in a bag, phones, laptops and tablets that overheat in use or while charging, cordless power tools and their packs, and home batteries that store power for a house.
The product shapes who made it, who sold it, and what physical evidence survives. For someone who was hurt, that can decide how much of the story the remains can still tell. A small power bank may be almost fully consumed by fire. An e-bike frame or a tool housing may hold more clues. When a fire spreads through a home, the same event can lead to a personal-injury claim and to claims for property damage, which Florida's statute treats as distinct kinds of loss.
Location can matter too. If the fire happened on property run by the state, an agency or a local government, section 768.28 of the Florida Statutes applies. Under that section, the state "waives sovereign immunity for liability for torts, but only to the extent specified in this act." Before suing, a claimant must present the claim in writing to the appropriate agency. Except for a claim against a municipality, a county or the Florida Space Authority, the claimant must also present it in writing to the Department of Financial Services. That written claim is due within 3 years after the claim accrues, and the Department or the agency must deny it in writing before an action may be filed. For wrongful death, the claim goes to the Department of Financial Services within 2 years after it accrues.
Different limits apply to some outdoor recreational land. Under section 375.251 of the Florida Statutes, an owner or lessee who provides the public with an area for outdoor recreational purposes owes no duty to keep it safe or to warn of hazards. That limit applies only if no charge is made for entry or use and no other revenue comes from patronage. Revenue from concessions or special events keeps the protection only if it is used exclusively to maintain, manage and improve the area. A separate rule covers owners with a written agreement with a state agency. The section does not relieve anyone of liability "for deliberate, willful, or malicious injury to persons or property."
A person in this position may note exactly where the fire started and who owns or runs that property, since those facts can decide which of these rules come into play.