Pinellas Park Hurricane Insurance Lawyers

The hurricane season in Pinellas Park, Florida can be a stressful time for residents. If you’re like most people, you’re hoping that a major storm will not affect your community. But it’s always best to be prepared – just in case. One of the best ways to prepare for a hurricane is to make sure you have the right insurance in place. That way, if your home or business is damaged by a storm, you’ll be able to get the financial assistance you need to make repairs and get back on your feet.

Herman & Wells has hurricane insurance lawyers in Pinellas Park

However, obtaining adequate hurricane insurance coverage can be difficult. Insurance companies are often reluctant to provide full coverage, and they may try to deny claims after a storm. That’s where our team of hurricane insurance lawyers can help. We have extensive experience helping Pinellas Park residents with all aspects of their hurricane insurance claims, from filing the initial claim to appealing a denial. We know the ins and outs of the hurricane insurance process, and we’ll work tirelessly to make sure you get the coverage you need and deserve.


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Call (727) 821-3195 to schedule a free consultation with one of our Pinellas Park hurricane insurance lawyers. We’ll review your policy and help you understand your rights and options. And if you need assistance with a claim, we’ll be there for you every step of the way.

Did Your Insurance Company Wrongfully Deny Your Hurricane Damage Claim?

If your home or business suffered hurricane damage, you’re already facing a stressful and difficult time. Dealing with insurance companies should not make the situation worse. But unfortunately, that’s often the case. Insurance companies are in business to make money, not to pay out claims. They will look for any excuse to deny a valid claim or lowball the amount they pay.


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You need an experienced hurricane insurance lawyer on your side to level the playing field and help you get the full compensation you’re entitled to. At Herman & Wells, our Pinellas Park hurricane insurance lawyers have a proven track record of success handling these complex cases. We know how to deal with the insurance company and get results.

Should You Talk to a Hurricane Insurance Lawyer?

If your hurricane insurance claim is denied, talking to a lawyer could be the best step you take. An insurance lawyer can help you understand your rights and what you can do to fight for the compensation you deserve. They can also help you file a lawsuit if necessary.

Is Hurricane Damage Covered Under Your Standard Homeowners Policy in Pinellas Park?

Nearly every Pinellas Park homeowner has some type of homeowners insurance policy. But did you know that in most cases, hurricane damage is not covered? If your home sustains damage from a hurricane, you will need to purchase a separate hurricane insurance policy to be properly protected. At Herman & Wells, our Pinellas Park hurricane insurance lawyers can help you understand your coverage options and make sure that you are properly protected against the financial devastation that a hurricane can cause.

Is Hurricane Insurance Required for Homeowners in Pinellas Park?

You may be wondering if you’re required to have hurricane insurance. The answer is that it depends on your mortgage lender. If your lender requires it, then you’ll need to purchase a hurricane insurance policy. There are some things to keep in mind when purchasing hurricane insurance, such as the deductible and coverage limits.

The deductible is the amount you’ll have to pay out of pocket before your insurance policy kicks in. The coverage limit is the maximum amount that your policy will pay out. It’s important to read the fine print of your hurricane insurance policy so that you know what’s covered and what’s not. For example, some policies may not cover flood damage.

Does Flood Insurance Cover Hurricane Damage?

While you may have hurricane insurance, you might not be sure if it covers flood damage. The good news is that most hurricane insurance policies do cover flood damage. However, there are some things to keep in mind. First, you need to make sure that you have a policy that specifically covers flooding. Not all policies do. Second, even if your policy does cover flooding, there may be some limits on the coverage. For example, your policy might only cover up to $10,000 in damages.

If you’re not sure whether or not your hurricane insurance policy covers flood damage, the best thing to do is speak with your insurance agent or broker. They’ll be able to give you the specifics of your policy and let you know what’s covered and what’s not.

Does Renters Insurance Cover Hurricane Damage?

Renter’s insurance is a type of insurance that covers your personal belongings in the event of damage or theft. It also provides liability coverage if someone is injured while on your property. Most renter’s insurance policies do not cover damage caused by floods or hurricanes. If you live in an area that is prone to hurricanes, it is important to purchase a separate hurricane insurance policy.

How Expensive Is Hurricane Insurance In Pinellas Park?

Hurricane insurance rates in Pinellas Park vary depending on a number of factors, including the value of your home, the age of your home, and the location of your home. However, there are some general tips that can help you save money on your hurricane insurance:

1) See If You Can Get A Better Quote From A Different Insurance Company

Don’t just renew your policy with your current insurer without shopping around first. Get quotes from several different insurers to see who can give you the best rate.

2) Policies With Higher Deductibles Typically Have a Lower Premium

A higher deductible will mean a lower premium, so this is a great way to save money on your hurricane insurance. Just make sure that you have enough savings set aside to cover the deductible in case you do have to make a claim.

3) Ask If The Insurance Provider Offers Discounts 

Many insurers offer discounts for things like installing hurricane shutters or having a hurricane-resistant roof. Ask your insurer what discounts are available and make sure you take advantage of them.

If you have any questions about hurricane insurance in Pinellas Park or need help finding the right policy for your needs, please contact the hurricane insurance experts at Herman & Wells today. We would be happy to help you navigate the hurricane insurance process and get the coverage you need.

Common Reasons Hurricane Damage Claims Are Denied In Pinellas Park

The Pinellas Park hurricane insurance lawyers of Herman & Wells have seen a lot of different hurricane damage claims. We know that every case is unique, but there are some common reasons that these types of claims are denied. One of the most common reasons for denial is that the policyholder did not purchase enough insurance to cover the damage. Make sure that you know the value of your home and possessions and purchase enough insurance to cover them.

Another common reason for denial is that the policyholder did not take proper precautions to protect their home from hurricane damage. This can include things like not having hurricane shutters or not securing loose items outside. If your hurricane damage claim has been denied, the Pinellas Park hurricane insurance lawyers of Herman & Wells can help. We will review your policy and work with you to file an appeal.

How Do Insurance Companies Respond After A Hurricane Has Caused Major Damage?

After a hurricane has caused extensive damage, your insurance company will likely be one of the first responders. Your insurer may send an adjuster to survey the damage and give you an estimate of the cost of repairs. It is important to have a lawyer present during this process, as the adjuster may try to lowball the cost of repairs.

Once have filed your hurricane insurance claim, the insurance company will investigate it and determine whether or not they will pay out. If they deny your claim, you have the right to appeal. Furthermore, the insurance company may also offer you a low settlement in an attempt to save money. Pinellas Park hurricane insurance lawyers can negotiate with the insurer on your behalf to get you the full amount that you are owed.

How To Tell If Your Insurance Company Acted In Bad Faith

After a hurricane, you expect your insurance company to help you rebuild your home and life. But what if they don’t? You may be a victim of bad faith insurance practices. Bad faith insurance is when an insurance company does not act in good faith towards its policyholders. This can happen in many ways, such as:

  • Denying a valid claim
  • Not investigating a claim properly
  • Delaying payments on a claim
  • Offering a low settlement on a claim
  • Refusing to defend you in a lawsuit

These are just some of the ways that insurance companies can act in bad faith. If your insurance company has done any of these things to you, you may be entitled to compensation.

There are a few ways to tell if your insurance company has acted in bad faith. If they have denied a valid claim, not investigated a claim properly, delayed payments, or offered a low settlement, then they have likely acted in bad faith. If you are experiencing any of these issues, it is important to speak to a lawyer. They can help you determine if you have a case against your insurance company.

Can You Sue Your Insurance Company For Denying A Hurricane Damage Claim?

There are many reasons why an insurance company might act in bad faith. They may be trying to save money, or they may simply not want to pay out on a claim. Whatever the reason, you should not have to suffer because of their bad faith practices. If your insurance company has acted in bad faith, you may be able to take legal action against them. You may be able to recover damages for the losses you have suffered because of their bad faith practices.

How Can Our Pinellas Park Hurricane Insurance Lawyers Help You?

After a hurricane, you may be left feeling overwhelmed. Not only is your home damaged, but you also have to deal with insurance companies who may not be cooperative. At Herman & Wells, our Pinellas Park hurricane insurance lawyers can help you get the compensation you need to repair your home and get your life back on track.  We understand the difficulties you are facing and we will fight to get you the maximum compensation available under your policy. We have a proven track record of success in handling hurricane insurance claims and we are ready to put our experience to work for you.

What Is Our Law Firm’s Process For Insurance Dispute Cases

At Herman & Wells, we understand that hurricane season can be a stressful time for Florida residents. Not only are you dealing with the possible damage to your home or business, but you also have to contend with the hassle of filing an insurance claim. And in far too many cases, insurance companies will do everything they can to delay or deny valid claims.

That’s where our hurricane insurance dispute lawyers come in. We have over 20 years of experience handling hurricane insurance claims, and we know how to get results. We offer a free claim review to help you understand your legal options, and we don’t charge a fee unless we win your case. So if you’re dealing with an insurance dispute, please give us a call today. We’re here to help.

$228,000 settlement for underpaid commercial claim on damaged apartment complex caused by hurricane winds

Book A Free Consultation With Our Pinellas Park Hurricane Insurance Lawyers

After a hurricane, you may find yourself dealing with expensive property damage and even injuries. If your insurance company is giving you the runaround or denying your claim, the Pinellas Park hurricane insurance lawyers of Herman & Wells can help. We have experience handling all types of hurricane insurance claims, and we know what it takes to get results. We’ll review your policy, investigate your claim, and build a strong case on your behalf. If you’re ready to get started, we offer free consultations. Call us today to schedule yours. 

Case Results

See More Case Results

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



Delayed and Underpaid Homeowners Claim

A family’s home near Lakeland, Florida was damaged by a hurricane.  Water came into the house from the roof.  The insurance company sent its own contractor to dry it out, but didn’t complete the job.  The adjuster also wrote an estimate to repair the inside of the house, but the insurance company made the adjuster delete some of the repairs from his estimate.  At the end of the day, the insurance company only paid the family $1,900 for their damage.  After we were hired to help the family fight back against the insurance company, the family was able to recover an additional $220,000 from the insurance company to settle the case.

Initial Position

$1900 paid


Call us today for a Free Case Evaluation

(727) 821-3195