Florida Fire Damage Insurance Lawyers

In Florida, dealing with fire damage claims can be a daunting challenge for homeowners. Navigating complex insurance policies, asserting rightfully for compensations, and facing potential disputes with insurance companies – all while grappling with the emotional stress of fire damage. At such times, having an experienced fire damage insurance lawyer by your side can make a substantial difference.

The lawyers at Herman & Wells are committed to defending your rights and securing the compensation you deserve. Don’t face this critical juncture alone. Call on the expertise of Herman & Wells, ensuring a trustworthy, professional ally in your fire damage claim journey.

A Florida home severely damaged by fire.

The Cliff Notes: Key Takeaways From This Page

  • Florida fire damage insurance lawyers can help guide homeowners through the process and represent their interests for a favorable outcome.
  • Homeowners may be asked to provide evidence or additional information to support their claims.
  • Common pitfalls that lead to delays, underpaid & denied fire damage claims include filing the claim late, insufficient documentation, misrepresenting facts or leaving out information, homeowner negligence, and failing to provide requested information.
  • At Herman & Wells, we specialize in fighting for homeowners whose fire damage claims have been denied or underpaid.
  • It’s important to create a complete inventory of damaged/destroyed items with estimated replacement costs, as well as any valuables that may be overlooked.
  • Florida has a two-year statute of limitations on insurance claims, so it’s best to start the claim process as soon as possible.
  • Contact Herman & Wells for a free consultation to discuss your fire damage insurance claim.

Most Common Causes Of House Fires In Florida

Accidental Fires

Accidental fires often occur due to negligence or lack of awareness. This includes unattended cooking, improperly discarded cigarettes, or electrical appliances left switched on. Always ensure that safety measures are in place, and caution is exercised while handling fire-prone activities.

Natural Disasters

Natural disasters such as lightning, hurricanes, and wildfires can also trigger house fires in Florida. Unfortunately, these are largely out of human control. However, homeowners can mitigate the risk by using fire-resistant materials in their homes and maintaining a defensible space around their property.


Deliberate fire-setting, a criminal act known as arson, is another common cause. It’s crucial to report any suspicious activities to the authorities immediately.

Each of these fire incidents can result in substantial property damage, necessitating a fire damage claim. However, the type of insurance policy that covers the damages may vary based on the cause of the fire.

Homeowner Tips: Immediate Steps To Take After A Fire

Following a fire incident, it’s critical to take swift, appropriate action. Here are crucial steps every homeowner should consider:

Step 1: Ensure Safety

Your wellbeing and that of your loved ones should be your first priority. Evacuate the premises immediately if you haven’t already, and stay away until professionals declare it safe to return.

Step 2: Contact Emergency Services

Promptly call 911 or the local fire department to report the incident. Refrain from trying to combat the fire yourself; wait for professional help.

Step 3: Seek Temporary Accommodation

While your home is being restored, you may need to find temporary lodging. This could be a hotel or staying with family and friends.

Step 4: Report the Incident to Your Insurance Company

Notify your insurance company of the fire as soon as possible. Begin the process of filing your fire damage claim, and ask about what it covers.

Step 5: Document the Damage

Take photos or videos of the damage for insurance purposes. Be thorough, as this will aid in your fire damage claim and serve as evidence if a dispute with your insurance company arises.

Step 6: Consult a Fire Damage Attorney

If your fire damage claim is complex or your insurance company is disputing the claim, consider seeking legal help. A fire damage attorney can provide the guidance and representation you need to ensure you’re rightfully compensated for your losses.

Notifying Your Insurance Company

Your insurance company will require certain details when you report a fire. Here are some of the key pieces of information they’ll need from you:

  • The date and time of the incident, as well as its primary cause
  • Your policy number and contact information
  • A list or photos of items destroyed in the fire
  • The estimated cost of the damage

In addition to this, it’s also important to list any valuables that weren’t damaged in the fire. This may include artworks, jewelry and other items that have monetary value.

Getting your claim approved by your insurance company can be a long process; an experienced attorney can assist you with navigating complex paperwork and ensuring your claim is handled efficiently.

Florida’s Fire Damage Insurance Claim Process: What To Expect

Step 1: Document the Damage

After ensuring everyone’s safety, the first step in the claim process is to document the fire damage. Take detailed photographs and videos of all damages, noting the date and time each was taken. This will serve as vital evidence when filing your claim.

Step 2: Contact Your Insurance Provider

Next, contact your insurance provider to report the incident and start the claim process. Provide them with your policy number, contact information, and details of the incident including the cause, date and time of the fire.

Step 3: Complete a “Proof of Loss” Statement

You will be required to fill out a “Proof of Loss” statement. This statement should detail items damaged or lost in the fire, the cost to replace each item, and the total amount you’re claiming. A meticulous and accurate account at this phase is essential for a successful claim.

Step 4: Cooperate with the Adjuster

Your insurance company will assign an adjuster to investigate your claim. They will inspect the damage, review your “Proof of Loss” statement, and may also interview you. It’s crucial to cooperate fully with the adjuster and provide any additional information they require.

Step 5: Negotiate the Settlement

The insurance company will offer a settlement based on the adjuster’s findings. If you feel the settlement is insufficient, you can negotiate for a higher amount. Having a Florida fire damage insurance lawyer during this phase can be invaluable.

Step 6: Legal Help

If your claim is disputed or denied, you may need to take legal action. A lawyer experienced in fire damage claims in Florida can guide you through the process and represent your interests, increasing your chances of a favorable outcome.

What To Expect From Insurance Adjusters & Evaluators

When assessing a fire damage claim, adjusters and evaluators are responsible for validating the amount of loss. They will use their findings to determine what is covered by the homeowner’s insurance policy, as well as how much they can reasonably pay out for the claim.

Pitfalls That Lead To Delays, Underpaid & Denied Fire Damage Claims In Florida

Unfortunately, homeowners may encounter a range of obstacles when filing fire damage claims. Such problems can lead to lengthy delays or complete denial of a claim. Here are some common pitfalls that can cause such issues:

  • Filing the claim late
  • Insufficient documentation of losses and damages
  • Misrepresenting facts or leaving out information
  • Homeowner negligence
  • Failure to provide requested information within the necessary timeframe
  • Being unfamiliar with coverage limits or policy terms

In the event that a homeowner faces any of the above issues, seeking legal help can be invaluable. A Florida fire damage insurance lawyer can review your claim and advise you on how to proceed in order to get the best possible outcome.

Denied Fire Damage Claim? Reasons To Contact Our Law Firm

If your fire damage claim has been denied, you may be eligible to file an appeal. However, the process can be complex and time-consuming. It’s important to have an experienced lawyer who is familiar with Florida insurance laws by your side during this process.

At Herman & Wells, we specialize in fighting for homeowners whose fire damage claims have been denied or underpaid. We will help you understand why the claim was denied and guide you through the appeals process to ensure that you receive the compensation you deserve.

$185,412 settlement for damaged house caused by fire

What Our Florida Fire Damage Insurance Lawyers Can Do For You

At Herman & Wells, our legal team is dedicated to providing you with personalized attention and the highest quality of representation. We are experienced in helping homeowners throughout Florida who have had their fire damage claims denied or undervalued.

Our attorneys will investigate your case, assess policy terms, gather evidence and negotiate on your behalf with insurance companies. We will also ensure that you receive all of the compensation to which you are entitled.

Maximizing Compensation: Documenting Losses

The amount of compensation you receive for your claim depends on the accuracy and detail of your documentation. It’s important to create a complete inventory of items damaged or destroyed in the fire, along with an estimated cost for replacement. This should include photographs and itemized lists where possible.

In addition, it’s also essential to list any valuables such as jewelry, art, or antiques to ensure that they are not overlooked in the claim. Our attorneys can help you collect and organize your documentation for maximum compensation.

Insurance Companies Vs. Florida Homeowners: Leveling The Playing Field

The insurance claim process can be difficult for homeowners to navigate on their own. Insurance companies are typically well-versed in the policy terms and regulations, giving them an advantage when negotiating claims. That’s why it’s important to have a lawyer who understands fire damage claims in Florida by your side.

Legal Time Limits: Acting Promptly Following A House Fire

It’s important to act quickly after a house fire. Florida’s statute of limitations on insurance claims can be complex and vary depending on the type of claim and loss involved. Generally speaking, the statute of limitations is now two years. Waiting too long may affect your eligibility for compensation, so it’s best to start the process as soon as possible.

Get The Compensation You Deserve For Your Fire Damage Insurance Claim With Herman & Wells

Whether you’re filing a first-time claim or appealing a denied claim, it’s important to have an experienced attorney by your side. At Herman & Wells, we can help you understand the complexities of fire damage insurance claims in Florida and maximize your chance of receiving fair compensation.

Our law firm’s main offices are in Pinellas Park, but we have attorneys in St. PetersburgTampa, Seminole, Dunedin, Palm Harbor, Lakewood Ranch, Bradenton, and Sarasota. Call (727) 821-3195 today for a free consultation to discuss your fire damage insurance claim!

Case Results

See More Case Results

Underpaid Fire Loss

A fire caused significant damage to our client’s house. The insurance company delayed paying and then paid much less than the cost of repair. We sued the insurance company and forced the insurance company to pay an additional $185,412.

Initial Position



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