Herman & Wells have experienced St. Petersburg hurricane insurance lawyers who can help you with all aspects of your hurricane insurance claim, from filing to appealing a denied claim. We have experience dealing with all types of property damage insurance disputes, including wind damage, water damage, and mold damage. We will work tirelessly to get you the compensation you deserve from your insurance company.
Call (727) 821-3195 today for a free consultation to learn more about how we can help you.
If you are a St Petersburg, Florida resident who may be affected by Hurricane Ian, it is important to take some time to understand your insurance policy and what coverage you have. This is especially true if you do not live in a coastal area. Hurricane damage is often covered under standard homeowner’s policies, but damage from wind and flooding may not be. That’s why it is important to speak with an experienced hurricane insurance lawyer who can help you understand your policy and make sure you are fully compensated for any damages suffered.
Can You Challenge Your Insurance Company’s Decision Regarding Your Hurricane Damage Claim?
If your insurance company denies your claim or only offers a partial payment, you have the right to challenge their decision. An experienced hurricane insurance lawyer will be able to review your policy and help you determine if the insurance company is acting in bad faith or if they have made an error in their assessment of the damages. If it is determined that the insurance company is not acting in good faith, you may be able to file a bad-faith insurance claim against them.
Do You Need to Hire a Hurricane Insurance Lawyer?
After a hurricane, you may need to hire an insurance dispute lawyer for a number of reasons. You may need help filing a claim, appealing a denied claim, or negotiating with your insurance company. If your home was damaged or destroyed in the hurricane, you may also need help with temporary housing, repairs, or rebuilding.
No one wants to think about hiring a lawyer, but if you’re dealing with hurricane damage, you may not have a choice. An experienced insurance dispute lawyer can help you get the compensation you deserve from your insurance company. If your home was damaged or destroyed in a hurricane, contact the St. Petersburg hurricane insurance lawyers of Herman & Wells for help.
Is Hurricane Damage Covered Under Your Standard Homeowners Policy in St. Petersburg?
Florida is no stranger to hurricanes. St. Petersburg, in particular, is vulnerable to hurricane damage due to its location on the Gulf Coast. If your home sustains damage from a hurricane, you may be wondering if your standard homeowners’ insurance policy will cover the repairs.
Homeowner’s insurance policies typically cover wind damage caused by storms, but there are some important exceptions to keep in mind. For example, most policies will not cover damage caused by flooding. If your home is damaged by a hurricane and you live in an area that is prone to flooding, you will likely need to purchase separate flood insurance in order to be covered.
In addition, many homeowners insurance policies have limits on the amount of coverage they provide for hurricane damage. For example, a policy may only cover up to $500 in wind damage caused by a hurricane. If your home sustains more extensive damage, you may need to purchase additional coverage or file a claim with your insurance company to receive compensation.
If you have questions about your homeowner’s insurance policy and what it covers, the St. Petersburg hurricane insurance lawyers of Herman & Wells can help. We can review your policy and help you understand your coverage options. We can also assist you in filing a claim with your insurance company or taking legal action if your claim is denied. Call us today to learn more.
Does Renters Insurance Cover Hurricane Damage?
If you live in a rented home or apartment in St. Petersburg, you may be wondering if your renter’s insurance will cover damage caused by a hurricane. Renter’s insurance policies typically cover wind damage caused by storms, but there may be some limitations. For example, most policies have a deductible that must be met before coverage kicks in. Additionally, your policy may only cover a certain amount of wind damage. If you’re unsure whether your renter’s insurance policy covers hurricane damage, the best thing to do is contact your insurance company and ask.
How Can Our St. Petersburg Hurricane Insurance Lawyers Help You?
If you live in St. Petersburg, Florida, you know that hurricanes are a very real threat. And if your home has been damaged by a hurricane, you know just how devastating they can be. Not only is your home damaged, but all of your belongings inside as well. And to top it all off, your insurance company may not be willing to pay out the full amount of your claim, or any at all. This is where our St. Petersburg hurricane insurance lawyers can help.
We have years of experience dealing with insurance companies and we know how to get you the maximum amount of compensation possible. We will work tirelessly to make sure that your rights are protected and that you get the full amount of money that you deserve.
So if your home has been damaged by a hurricane, don’t hesitate to contact us today for a free consultation. We will be more than happy to answer any questions that you may have and we will fight tooth and nail to get you the money that you need and deserve.
Common Reasons Hurricane Damage Claims are Denied in St. Petersburg
Hurricane insurance claims are often denied due to the following reasons:
- The hurricane damage is not covered by the policy.
- The hurricane damage is not severe enough to warrant a claim.
- The hurricane damage is not considered to be “catastrophic” by the insurance company.
- The homeowner did not purchase enough hurricane insurance to cover the damage.
- The homeowner did not purchase the right type of hurricane insurance to cover the damage.
- The homeowner did not follow the proper procedure for filing a hurricane insurance claim.
- The hurricane insurance company believes that the homeowner is trying to fraudulently obtain money.
If you have had your hurricane insurance claim denied, it is important to speak with an experienced hurricane insurance lawyer who can help you dispute the denial. The lawyers of Herman & Wells have experience handling hurricane insurance claim denials and can help you get the compensation you deserve. Contact us today for a free consultation.
What Kind of Home Damage Do Hurricanes Typically Cause
Hurricanes can cause all sorts of damage to your home, from flooding and water damage to wind damage and fallen trees. It’s important to have a comprehensive understanding of your homeowner’s insurance policy and what it covers before a hurricane hits. Otherwise, you could be left with expensive repairs that aren’t covered by your insurance.
How Do Insurance Companies Respond After a Hurricane Has Caused Major Damage?
After a hurricane has caused extensive damage, insurance companies will often take one of two courses of action. They may send out adjusters to assess the damage and give you an estimate of what they are willing to pay. Alternatively, they may deny your claim outright.
If your insurance company sends out an adjuster, it is important to be present when they inspect the damage. The adjuster’s estimate is not binding, but it will give you a good idea of what to expect. If you do not agree with the adjuster’s estimate, you can negotiate with the insurance company or hire your own public adjuster.
How To Tell If Your Insurance Agent Acted Negligently
If your insurance agent sold you a policy that did not cover hurricane damage, they may have been negligent. You may be able to file a claim against them for selling you an inadequate policy.
In order to prove that your agent was negligent, you will need to show that they knew or should have known that the policy would not cover hurricane damage. You will also need to show that you would not have bought the policy if you you knew it did not cover hurricane damage.
If you believe your insurance agent was negligent, you should seek a second opinion from one of our St. Petersburg hurricane insurance lawyers ASAP.
Can You Sue Your Insurance Company For Denying a Hurricane Damage Claim?
If your insurance company has denied your claim for hurricane damage, you may be wondering if you can sue them. The answer is: maybe. It depends on the circumstances of your case. If you have a valid claim and there is evidence of damage, you may be able to sue your insurance company for breach of contract. You will need to prove that the insurance company wrongfully denied your claim.
If your insurance company denies your claim without investigating it, you may be able to sue them for bad faith. You will need to show that the denial was unreasonable and that you suffered damages as a result. If you are thinking about suing your insurance company, you should talk to a St. Petersburg hurricane insurance lawyer. An experienced lawyer can review your case and help you determine the best course of action.
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 St. Petersburg 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.
Book a Free Consultation With Our St. Petersburg Hurricane Insurance Lawyers
If your home has been damaged by a hurricane, you may be wondering what your options are for filing an insurance claim. The St. Petersburg hurricane insurance lawyers of Herman & Wells can help. We have over 25 years of experience helping homeowners in Florida get the compensation they deserve from their insurance companies.
We offer a free claim review to all potential clients. Contact us today to schedule yours. We will review your policy and help you understand your rights and options. Call (727) 821-3195 or fill out our online form to get started.
Case ResultsSee 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.
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.