Tampa Hurricane Insurance Lawyers

What can homeowners in Tampa do if their insurance company chooses to underpay or wrongfully deny their hurricane insurance claim? They can contact the Tampa hurricane insurance lawyers at Herman & Wells. Our experienced team of attorneys is dedicated to helping residents like you get the justice and compensation they deserve after a devastating hurricane.

We understand how important it is to have legal representation during this difficult time, and we will do everything we can to help you achieve a favorable outcome. So don’t hesitate to contact us today for more information or to schedule a consultation. We look forward to hearing from you soon!

Call (727) 821-3195 today for a free consultation to learn more about how we can help you.

See Why This Past Client Was So Happy He Chose Herman & Wells 

Did Your Insurance Company Make a Bad Decision Regarding Your Hurricane Damage Claim?

If your insurance company has denied or low-balled your Hurricane damage claim, you need experienced legal representation on your side. The Tampa Hurricane Insurance Lawyers at Herman & Wells are here to help. We have represented many policyholders who have been in similar situations, and we know what it takes to get results.

We will thoroughly review your insurance policy and Hurricane damage to determine if your insurance company has acted in bad faith. If we find that they have, we will take aggressive legal action to get you compensation. We have a proven track record of success in Hurricane insurance cases, and we are ready to put our experience to work for you.

Hurricane Damages in Tampa

Do You Need to Hire a Hurricane Insurance Lawyer?

When you’re a homeowner in Florida, it’s important to be aware of the risks and dangers that come with hurricanes. While some people may think they can handle their own insurance claims after experiencing minor damage from these storms, major disasters could require professional help which includes an attorney who specializes specifically in hurricane-related cases like yours.

Is Hurricane Damage Covered Under Your Standard Homeowners Policy in Tampa?

Hurricane damage is a typically covered peril under most standard homeowners insurance policies in Tampa, Florida. However, there are some instances where hurricane damage may not be covered. It is important to review your policy carefully and understand what is not covered before Hurricane season begins.

Does Renters Insurance Cover Hurricane Damage?

Hurricane damage is not typically covered under renters insurance policies. However, you may be able to purchase hurricane insurance in addition to your renter’s insurance policy.

Hurricane insurance typically covers damage caused by high winds and rain. It may also cover flooding, but only if you have purchased flood insurance as a separate policy. Hurricane insurance does not typically cover damage caused by storm surges.

If you are a Tampa homeowner or renter and have questions about your hurricane insurance coverage, contact the experienced Hurricane Insurance Lawyers at Herman & Wells for a free consultation. We can help you understand your policy and make sure you are properly protected against Hurricane damage.

How Can Our Tampa Hurricane Insurance Lawyers Help You?

The insurance companies will do everything they can to limit their payout on hurricane damage claims. They may try to lowball you on the estimate, deny your claim entirely, or drag out the process so that you have to pay for repairs out of your own pocket. You need a strong advocate on your side who knows how to fight for what you’re owed.

Our Tampa Hurricane Insurance Lawyers have experience handling all types of hurricane damage claims, from wind damage and water damage to storm surge and flooding. We will work tirelessly to get you the full amount that you’re entitled to so that you can repair or rebuild your home.

Common Reasons Hurricane Damage Claims are Denied in Tampa

If you’ve recently filed a hurricane damage insurance claim in Tampa, Florida only to have it denied, you’re likely feeling frustrated, helpless, and maybe even a little bit angry. After all, you’ve been paying premiums for years – shouldn’t your insurer be there for you when you need them the most? 

Unfortunately, insurance companies are businesses, and like all businesses, their ultimate goal is to make a profit. This is why their adjusters will look for any reason to reduce the value of a claim or deny it all-together. Now to be clear, most of the decisions insurance companies make aren’t going to be grounds for a lawsuit, but they do make mistakes. 

If your hurricane damage claim has been denied, don’t give up just yet. An experienced hurricane insurance lawyer in Tampa can help you appeal the decision and get the compensation you deserve. In the meantime, here are four of the most common reasons Hurricane damage claims are denied in Tampa, Florida: 

  1. Your policy has a named storm deductible 
  2. Your home wasn’t structurally damaged 
  3. Your claim is for business interruption losses 
  4. Your claim is for Hurricane-related flooding 

If any of these apply to your situation, an experienced hurricane insurance lawyer can help you navigate the appeals process and get the compensation you need to repair your home and get your life back to normal.

What Kind of Home Damage Do Hurricanes Typically Cause

Hurricane damage to your home can be devastating. While every hurricane is different, there are some types of damage that are more common than others. Here are some of the most common types of damage that hurricanes can cause to your home:

  • Wind damage: High winds can cause serious damage to your home, including stripping shingles off of your roof, breaking windows, and toppling trees onto your home.
  • Flooding: Hurricane-force rains can cause severe flooding, which can damage the foundation of your home, ruin your possessions, and lead to mold growth.
  • Storm surge: Storm surge is a wall of water that can be pushed ashore by a hurricane. Storm surge can damage or destroy your home, and it can be deadly.

If your home has been damaged by a hurricane, it is important to contact a Hurricane Insurance Lawyer as soon as possible. A Hurricane Insurance Lawyer can help you navigate the claims process and get the compensation you need to repair or replace your home.

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

Hurricane insurance claims can be extremely complicated. You may have a policy that covers wind damage, but not flooding. Or you may be covered for your home, but not your business. And even if you have the right kind of coverage, the insurance company may not want to pay out what you’re owed. That’s where our Tampa hurricane insurance lawyers can help.

We have represented hundreds of clients in Hurricane insurance claims, and we know what it takes to get you the money you deserve. We will investigate your claim, gather evidence, negotiate with the insurance company, and if necessary, take your case to court.

How To Tell If Your Insurance Agent Acted Negligently

After a hurricane, many people are left without power and water for days, sometimes weeks. This is a difficult and stressful time, made worse when you realize your insurance company isn’t going to pay out on your claim. If you think your insurance agent may have acted negligently, here are some things to look for:

  • Your agent didn’t explain the policy thoroughly
  • Your agent failed to disclose all relevant information
  • Your agent pushed you into buying a policy you couldn’t afford
  • Your agent didn’t suggest any Hurricane protection options

If you think your insurance agent may have acted negligently, contact the hurricane lawyers of Herman & Wells. At our firm, we understand how much compensation you need and deserve after a hurricane. Insurance companies will try to give you the lowest possible offer- but with us on your side, we’ll ensure that doesn’t happen.

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

If your Hurricane insurance claim has been denied, you may be wondering if you have any legal recourse. The answer is: maybe. It depends on the specific circumstances of your case. Hurricane damage claims can be complex, and insurance companies are not always forthcoming about what they will and will not cover. That’s why it’s important to have an experienced Hurricane insurance lawyer on your side.

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

Herman & Wells understands that hurricane season can be difficult for Tampa residents. You may have to deal with damage to your home or business, as well as file an insurance claim. Unfortunately, in many cases, insurance companies will try to delay or deny valid claims.

We want to help you. Call us today for a free claim review, and learn about your legal options with our experienced insurance dispute lawyers. With over 20 years of handling claims between Hurricane disasters, we know what it takes to get results that benefit your unique situation. Further, we don’t charge any fees unless we win your case.

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

Book a Free Consultation With Our Tampa Hurricane Insurance Lawyers

Did your hurricane insurance claim get denied? Don’t give up hope. The Tampa hurricane insurance lawyers at Herman & Wells can help you get the money you deserve. We know how difficult it is to deal with the aftermath of a hurricane. That’s why we’re here to help you get the compensation you need to rebuild your life.

We’ll review your storm damage claim and let you know what we can do to help. Hurricane season is tough enough without having to worry about getting your insurance claim approved. Let us help you take care of that. Contact the Tampa Hurricane Insurance Lawyers at Herman & Wells today for a free consultation.

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