St. Petersburg Fire Damage Insurance Lawyers

Was your insurance claim unjustly denied, underpaid, or has been unreasonably delayed? Our team of fire damage insurance lawyers can help if you live in St. Petersburg, FL.

Our lawyers have an in-depth understanding of the insurance landscape in St. Petersburg and have helped many homeowners recover what they rightfully deserve after a fire mishap. Through our dedicated and professional service, we strive to help you rebuild and restore your life post-disaster. Call us today to schedule your free claim review – our phone number is (727) 821-3195.

A burned down house in St. Petersburg whose owner needs to seek legal assistance from fire damage insurance lawyers.

The Cliff Notes: Key Takeaways From This Page

  • Filing a fire damage insurance claim in St. Petersburg can be complex and time-consuming.
  • Common reasons for claim denials include intentional acts or gross negligence, misrepresentation on the insurance application, non-payment of premiums, violation of policy conditions, discrepancies in the claim, filing a late claim, and failure to mitigate further damage.
  • Consulting with an experienced fire damage lawyer can help ensure you receive the rightful compensation.
  • Practicing proactive fire safety measures, such as having your electrical system inspected regularly, keeping flammable materials away from heat sources, and installing smoke alarms is a great way to prevent costly claims in the future.
  • Don’t hesitate – contact our knowledgeable and dedicated team of fire damage insurance lawyers today for a free consultation. Your recovery is our priority, and we are committed to fighting for your rights. Contact us now!

Why Hire Our St. Petersburg Fire Damage Insurance Lawyers

At Herman & Wells, we understand the unpredictability of fire damage and the devastation it brings. Our dedicated team of fire insurance lawyers in St. Petersburg, Florida, harness their comprehensive knowledge and expertise to fight for your claims. We meticulously scrutinize every detail of your insurance policy, identify any discrepancies, and ensure your claim is handled professionally and promptly.

Our goal is to ease your burden during these challenging times, restoring your faith in the promise of recovery and rebuilding. We’re not just your lawyers; we’re your advocates, standing firm beside you every step of the way.

Understanding Fire Damage Insurance In St. Petersburg

What Fire Damage Insurance Covers

Fire damage insurance typically covers a wide range of areas to safeguard you from unforeseen expenses. This includes coverage for structural damage to your home, such as walls, roofs, and floors. It also extends to personal belongings inside the house, from furniture and electronics to clothing and valuable items.

Moreover, if the fire renders your house uninhabitable, your fire insurance policy may provide coverage for additional living expenses. This can include costs for temporary accommodations, meals, and other everyday expenses. Always remember, that the specifics of what is covered can vary based on your individual policy, making it crucial to thoroughly understand your insurance contract.

Specific Challenges Of Fire Insurance In St. Petersburg

St. Petersburg, nestled in the heart of Florida, presents a unique set of challenges when it comes to fire insurance claims. The city’s geographical location makes it vulnerable to natural calamities like hurricanes, which can indirectly lead to fires due to electrical faults or gas leaks. In addition, older neighborhoods in St. Petersburg are laden with historic homes that possess outmoded wiring, posing a heightened fire risk.

Complying with fire codes and regulations in these homes can be costly and complex, and insurance companies often exploit these complexities to challenge or underpay fire damage claims. Furthermore, the soaring real estate market in St. Petersburg can impact your claim. As the value of property rises, the cost to repair or replace your house in the wake of a fire might exceed your coverage limit, making it crucial to reassess your policy regularly.

Lastly, the influx of vacation rentals, a common sight in our beautiful city, can complicate fire insurance coverage. Insurance companies may deny claims if the property was rented out, arguing the property was used for commercial purposes. To navigate these and other potential challenges, it’s pivotal to have a knowledgeable, local ally like Herman & Wells by your side, who understand the unique intricacies of St. Petersburg and stand ready to fight for your rightful claim.

How Soon Should I File An Insurance Claim After A Fire In St. Petersburg?

When faced with the aftermath of a fire, it is easy to feel overwhelmed and confused about how to proceed. Fortunately, you don’t have to go through this alone; at Herman & Wells, we are here to help. You should contact us as soon as possible after the fire so that we can provide legal guidance on filing your insurance claim in a timely manner.

Statute of Limitations For St Petersburg Fire Damage Insurance Claims

In Florida, recent legal changes have had a significant impact on the timeframe for filing fire damage insurance claims. It’s crucial for all residents of St. Petersburg to be aware that the statute of limitations for fire damage claims is now two years. This means that you have precisely two years from the date of the fire incident to file an insurance claim. After this period, your claim may be dismissed, regardless of the severity of the damage.

Steps To Take After Experiencing Fire Damage In St. Petersburg

Step 1: Ensure Safety

First and foremost, prioritize your and your family’s safety. Only re-enter your property when local authorities have deemed it safe to do so. During this period, avoid cleaning up or removing items as it might interfere with the investigation process and potentially jeopardize your claim.

Step 2: Contact Your Insurance Company

Notify your insurance company of the incident as soon as possible. The sooner you inform them, the sooner the claim process can start. Keep a record of all correspondence.

Step 3: Document The Damage

Take as many photos as you can of the damaged property, including structural damage, damaged belongings, and any areas showing possible cause of the fire. This will serve as crucial evidence when filing your claim.

Step 4: Mitigate Further Damage

While waiting for your insurance adjuster to arrive, take steps to prevent further damage where possible, such as boarding up windows or covering holes in the roof. However, avoid making large repairs until your insurance company has assessed the damage.

Step 5: Inventory Of Lost And Damaged Items

Make a detailed inventory of all lost and damaged items, including their value. This will help speed up the claims process and ensure you receive adequate compensation.

Step 7: Keep Track Of Additional Expenses

If you’ve had to move out due to the fire, keep records of all additional expenses incurred, including hotel bills and meal receipts. These might be covered under your policy’s loss of use clause.

When Should You Hire A Fire Damage Insurance Lawyer?

Hiring a fire damage insurance lawyer should be considered as soon as possible after a fire incident, especially if you are facing a complex claim process or if your claim has been denied or underpaid. Fire damage insurance lawyers can provide invaluable guidance on policy terms and conditions, ensuring you don’t miss out on any entitled compensation.

$17,250 settlement for damage caused by electrical fire

How To File A Fire Damage Claim In St. Petersburg

Notifying The Fire Department

Contact your local fire department immediately if a fire breaks out. Their swift response can minimize the extent of the damage. After the fire has been extinguished, request a copy of their report for your insurance claim.

Contacting Your Insurance Company

Contact your insurance company as soon as possible to inform them about the incident. They will guide you through their specific claims process and let you know what documentation will be needed.

Filing The Claim

Submit your claim to your insurance company as soon as you have gathered all necessary documentation. Be sure to comply with all stipulated deadlines to avoid any delays or denials of your claim.

Negotiating The Claim Settlement

Once the insurance company makes a settlement offer, take the time to review it carefully. Should the offer be insufficient, don’t hesitate to negotiate. An experienced fire damage insurance lawyer can help you with this process to ensure you receive the compensation you’re entitled to.

Consulting With A Lawyer

Consider consulting with a fire damage insurance lawyer if you’re facing a complex claim process or if your claim has been denied or underpaid. They can provide valuable advice on your policy’s terms and conditions, ensuring you don’t miss out on any entitled compensation.

Common Reasons Fire Damage Claims Are Denied In St. Petersburg

Intentional Acts Or Gross Negligence

One common reason for a fire damage claim denial is when the insurance company determines the fire was a result of intentional acts or gross negligence. This could include leaving a stove unattended or using unsafe electrical equipment. It is crucial to always practice fire safety to avoid such situations.

Misrepresentation On The Insurance Application

Providing inaccurate information on your insurance application, whether intentionally or unintentionally, can lead to a claim denial. This can include underreporting the value of your belongings or providing incorrect details about your property.

Non-Payment Of Premiums

If you fail to pay your insurance premiums, your policy can be canceled, leading to a claim denial. Maintaining regular premiums payments ensures your policy remains active and valid.

Violation Of Policy Conditions

If the insurance company determines that you’ve violated the terms and conditions of your policy, they may deny your claim. This can include not maintaining the property to an acceptable standard or making significant changes to the property without notifying the insurance company.

Discrepancies In The Claim

If there are discrepancies between the claim and the actual damage, or between the claim and the official fire department report, your insurance company may deny your claim. It is essential to provide accurate and truthful information when filing a claim.

Filing A Late Claim

Filing a claim outside the specified timeframe outlined in your policy can lead to a claim denial. Always inform your insurance company as soon as possible after a fire incident and comply with all their timelines.

Failure To Mitigate Further Damage

If you fail to take necessary steps to prevent further damage to your property after a fire, your insurance company may deny your claim. This can include not boarding up windows or covering holes in the roof. Always take immediate action to prevent further damage and keep records of the steps taken.

Call Our St. Petersburg Fire Damage Insurance Lawyers Today

In conclusion, navigating the complexities of a fire damage insurance claim in St. Petersburg can be a daunting task. However, assistance from experienced lawyers can make this process significantly smoother and ensure you receive the compensation you rightfully deserve. If you’ve experienced property damage from a fire, don’t hesitate – reach out to our knowledgeable and dedicated team of fire damage insurance lawyers today. Your recovery is our priority, and we are committed to fighting for your rights. Call (727) 821-3195 for a free consultation today! 

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