$50M+ RECOVERED FOR CLIENTS
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If you have an insurance policy that has not been honored, you have the right to file a dispute.
Our experienced legal team helps individuals, property owners, and business owners understand what their insurance policies cover and works to obtain the full benefit of their insurance coverage.
If you are seeking the services of a Florida insurance dispute lawyer with significant trial experience, call now to book a free claim review and evaluation. Contact Jason Herman today to discuss your insurance policy and claim dispute.
Experienced Legal Support: Our law firm is committed to assisting Florida policyholders with wrongfully denied or underpaid insurance claims.
Experience in Various Claims: We handle a wide range of insurance claims, including property damage, homeowners’ insurance, commercial insurance, and life insurance claims.
Successful Case Examples: Our insurance claim lawyers have secured significant outcomes, including a $1.275 million recovery in a Hurricane Michael dispute and an $850,000 settlement for a Hurricane Ian claim.
Bad Faith Insurance Claims: Our firm can help determine if your claim was handled in bad faith, such as through inadequate investigation or delayed payment.
Suing Insurance Companies: We will guide on whether and when to sue an insurance company for denying a claim
Client-First Approach: Our attorneys handle cases on a contingency fee basis and support clients through every stage of the claims process, including litigation when needed.
Free Claim Review: Policyholders can contact Herman & Wells to book a free claim review.
If your insurance claim was underpaid or denied by your insurance company, you have the right to dispute the claim. An insurance dispute goes through multiple stages, which can include litigation if the insurance company will not resolve the claim otherwise.
Insurance companies have entire legal teams dedicated to defending them and the decisions the insurance company made.
An experienced insurance dispute attorney in Florida can level the playing field quickly. If your claim has been denied or shortchanged, a free conversation with our team costs you nothing and could change everything. Call today.
Insurance disputes arise for many reasons. Insurance companies wrongfully deny valid claims, unjustly close a claim, 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 is 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.
Our Florida insurance dispute attorneys 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.
When facing an insurance company that denied, underpaid, or unjustly closed your claim, you should take appropriate action.
Here are some instances when you should hire an attorney in Florida who knows how to handle lowball insurance company tactics:
In Florida, insurance companies should make a decision within 60 days of you submitting your claim. There are times when a longer investigation can be justified, but it’s generally a bad sign when the insurance company is taking a long time to make a claim decision.
Also, policyholders have strict deadlines around reopening claims and making supplemental claims that are not extended by an insurance company dragging its feet.
If your insurer has gone quiet, asked more than once for documents you’ve already provided, or pushed your timeline without explanation, that’s a sign to call us. Our attorneys know exactly the timeframes that apply to Florida insurance dispute claims, how to judge whether an insurance company is taking too long, and when waiting can cause you a big problem.
Reach out to our firm today for a free evaluation. We’ll tell you plainly whether your insurer is stalling and what to do about it.
Insurance companies make mistakes, and these are often the reason that a valid claim gets denied in Florida. Adjusters may misapply exclusions under your insurance policy, claiming that the damage done to you or your property was pre-existing, arising from neglect, poor maintenance, or other damage that is not covered by your policy. Bad denials usually come from an adjuster misreading policy language or from an adjuster concluding that something was caused by something it wasn’t.
Just because your claim was approved doesn’t mean you’ll get the payout you expected. Unfortunately, this happens a lot. Insurance companies pay the minimum amount of damage on a submitted claim, despite the claimed damages being worth far more. Or, worse, insurance companies will conclude that you’ve had a covered loss, but then say that the total amount of damage is less than your deductible.
Accepting a payment that’s worth less than you deserve ultimately benefits no one but your insurance company. If you feel the payment they make is less than you need, you can still seek additional payments from the insurance company..
In most situations, an insurance company makes what is called “an undisputed payment.” This just means the insurance company is paying you the amount it believes is owed without any dispute. Unless the insurance company has put conditions on your accepting that payment (which would be unusual and wrong), you can deposit that payment and still fight for more money to be paid.
Our insurance dispute lawyers frequently guide people in Florida through the questions of whether a payment can safely be deposited without giving up rights, whether a settlement offer (which does require you to give up your rights to sue) is something we think we have a chance of beating if we get involved, and what the options are for fighting the claim decision.
There’s no obligation to hire us, but there is real value in knowing where you stand before it’s too late. Call now or request a free evaluation online.
The highly experienced insurance lawyers at Herman & Wells have successfully represented clients across Florida in insurance disputes and denied claims. If your insurance claim has been denied or underpaid, please call us for a free evaluation.
Our law firm’s initial evaluation is offered free of charge, and our clients never owe us anything unless we are successful in representing them.
We want to help our clients understand their insurance policies and their legal options for fighting disputes and denied claims.
Our attorneys have secured major results for Florida policyholders, including a $1.275 million recovery in a Hurricane Michael insurance dispute after an initial $94 offer and a hard-fought appeal, as well as an $850,000 settlement for a Hurricane Ian wind damage claim that was initially undervalued at just $10,000. These outcomes are not anomalies—they demonstrate what can happen when policyholders challenge inadequate offers with experienced legal representation.
Jason Herman, Warren Duffy, Keith Stahl, and Rob Nipps have made insurance dispute litigation a cornerstone of their practice, and that depth of focus shows up in results.
Although we are based in Pinellas County, we have handled cases and claims from the panhandle to the Florida Keys.
We handle insurance dispute cases on a contingency basis, so you’ll never receive a bill from us and will never pay us anything unless you’re also recovering money from the insurance company.
Ready to learn the true value of your insurance claim? Call now or schedule a free evaluation online. There’s no cost, no commitment, and no reason to wait.
If you’re faced with a denied home insurance claim, life insurance dispute, or underpaid property damage claim, you’ll benefit greatly from the extensive experience our lawyers have gained from successfully representing other clients in similar cases.
Florida law places strict limits on how long policyholders have to challenge a denied or underpaid claim, and insurance companies are well aware of those deadlines. Waiting to see if things resolve on their own is one of the most common and costly mistakes claimants make. The sooner a Florida insurance dispute lawyer can review your policy and the insurer’s response, the more options you have. The opposite is also true. Sometimes people will try to dispute a claim after a deadline and have no options left.
No two insurance disputes are identical, but the patterns are usually the same: insurers minimize, delay, deny, and people sometimes just give up. We’ve spent years making sure insurance companies honor the policies they’ve sold. Behind every claim is a family or a business that paid for coverage, and we take it personally when insurers don’t honor that.
Call us today, and our team will review your claim. Get the answers you need to make the best next move for you and your family. Herman & Wells is ready to help!
