Insurance Claims & Disputes

Get the full benefit of your insurance coverage

Our insurance claim attorneys represent policyholders against their providers if their valid insurance claims have been denied or underpaid. Have a life insurance policy that has not been honored? Contact the law firm of Herman & Wells to discuss your insurance policy and claim dispute. Our lawyers are experts that can help individuals, property owners and business owners understand what their insurance policies cover and help them obtain the full benefit of their insurance coverage.

car accident

What happens in an insurance dispute?

Insurance disputes arise for many reasons. Insurance companies wrongfully deny valid claims, pay too little when claims are covered, and wrongfully reserve the right to deny claims in the future. Insurance companies hire lawyers to conduct Examinations Under Oath and request volumes of documents and other information. Some insurance companies file lawsuits against their own insureds.

When their buildings are damaged or personal property lost, policyholders often find themselves facing delayed claim adjustment, unreasonable requests for numerous documents, low offers and underpaid insurance claims, or insurance claims that are denied completely.

We represent policyholders against their own insurance companies, and seek coverage for damage to buildings and personal property, loss of use, additional living expenses, and lost business income.

Trees fallen on house roof

The types of insurance disputes we cover

We handle a wide variety of insurance disputes and denied claims. If your insurance claim has been denied or underpaid, please call us at 727-821-3195 for a free, no-strings-attached consultation. After a quick conversation, we’ll be able to tell you if your situation is appropriate to pursue legally. You owe us nothing unless we recover your money.

Case Results

See More Case Results

Underpaid Fire Loss

Our client’s home was burned in an accidental fire.  The insurance company delayed paying and, when it finally paid, didn’t pay enough to replace the home.  We fought for additional living expense, building coverage, lost rental income, and other available coverage.  After going through an appraisal and then filing a lawsuit, we were able to recover over $450,000 from the insurance company.

Initial Position

Underpaid

$460,000.00

Underpaid Commercial Insurance Claim

Hurricane winds damaged our client’s apartment complex, causing roof damage and interior water damage.  The insurance company paid $100,000, which was not enough money to cover the cost of repairs.  We filed a lawsuit against the insurance company and recovered an additional $228,000 for our client, bringing the total payment up to $328,000.  This allowed our client to fully repair the storm damage.

Initial Position

Underpaid

$228,000.00

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