St. Petersburg Property Damage Lawyers

Do You Need a Property Damage Lawyer in St. Petersburg?

If you’re a resident of St. Petersburg, Florida who has suffered property damage due to an accident or other unfortunate event, you may be wondering if seeking legal help is the best option. Maybe you’ve heard from friends and family members telling stories about how they were able to settle with their insurance company without hiring an attorney…but is that advice right for your situation?

The truth is that it depends on your individual needs – and fortunately, even if a lawyer isn’t necessary in your particular case, having one can provide key advantages when dealing with insurance companies moving forward. Below we discuss why having a qualified property damage lawyer in St. Petersburg can make all the difference.

Woman needs the help of St. Petersburg Property Damage Lawyers

What You Should Know About Property Damage Claims in St. Petersburg

If you’ve experienced property damage in St. Petersburg, Florida, there are a few things you should know about the process of filing an insurance claim. Here are a few tips to help you get started:

  1. Make sure to document any and all property damage that has occurred – take pictures or videos to demonstrate the extent and severity of the damage.
  2. Contact your insurance provider as soon as possible to inform them about the property damage that has occurred.
  3. Make sure to have all relevant paperwork, documentation, and other evidence ready before you submit a claim (e.g., photos, receipts, etc.) in order to expedite the process.
  4. Pay attention to deadlines and timelines, as there may be specific dates and times when you have to submit your claim or provide additional documentation.
  5. Try to remain patient as the insurance claims process can take some time to work itself out – it’s important that you stay in contact with your insurance provider to ensure that everything is running smoothly and according to plan.

Can’t Believe Your Insurance Company’s Decision? What Should You Do?

If you’ve been living in St. Petersburg, Florida and have faced property damage recently, then you know how devastating it can be. You may also be feeling frustrated if your insurance company has denied coverage for said damage. But don’t worry! There are a few steps that you can take to ensure that you get the compensation you deserve.

The first step is to make sure that you’ve complied with your insurance policy and all of its requirements. This includes providing detailed evidence of property damage, submitting a proper claim form, and obtaining any necessary repair estimates or appraisals. If you think that your insurer’s decision is based on something other than your policy, you should contact them directly to discuss the situation.

The next step is to review the denial letter from your insurance company and make sure that it includes a reasonable explanation for their decision. If they haven’t provided a valid justification or have left out important details, then you can take further action.

You should also consider consulting a St. Petersburg, Florida property damage lawyer if you feel the situation warrants it. An experienced lawyer can review your case and determine if your insurance company’s decision violates any state or federal laws. The St. Petersburg property damage lawyers of Herman & Wells can help you build a stronger claim that may be more successful in getting you the insurance company to pay up.

When Do You Need A Property Damage Lawyer?

When a St. Petersburg, Florida property damage case arises, you need to know your rights. Whether it involves water damage, fire damage or any other type of destruction to property, the lawyers at Herman & Wells can help.

We understand how important it is to have an experienced local team available who knows St. Petersburg property damage law inside and out. We are dedicated to protecting your rights and fighting for the best possible outcome in your case.

At Herman & Wells, we understand that dealing with property damage can be overwhelming and confusing. That’s why our insurance dispute team is here to answer any questions you may have and provide you with the legal guidance and representation you need. You can count on us to stand up for your rights and make sure that your property damage case is resolved in a timely and fair manner.

What Types Of Property Damage Are Covered Under A Standard Homeowners Policy in St. Petersburg?

When you purchase a homeowners insurance policy in St. Petersburg, Florida, it typically covers property damage arising from certain events such as fire, hail, windstorm and theft. Damage caused by flooding or earthquakes is typically excluded and requires separate coverage.

Your insurance policy should also cover property damage resulting from vandalism or malicious mischief. This includes not only damage to your home, but also to other covered structures such as a fence or detached garage. Property damage caused by someone who is legally liable for the damages may also be covered.

In St. Petersburg, Florida, you should contact your insurance company for more information about what property damage is covered under your specific policy so that you can properly protect yourself and your home. For more information, St. Petersburg homeowners can reach out to their St. Petersburg insurance provider for detailed answers about what is covered under your policy.

Common Reasons Property Damage Claims are Denied in St. Petersburg

When a St. Petersburg resident files a property damage claim due to an incident like a hurricane, storm, or other disaster, the insurance company will assess the claim and may deny it for various reasons. Here are some of the most common reasons St. Petersburg property damage claims are denied:

  • The policyholder failed to maintain the property, resulting in additional damage that is not covered.
  • The policyholder didn’t file the claim within the specified time frame.
  • The extent of the damage does not meet Florida’s legal definition for a covered incident.
  • The insurance company determined that the policyholder’s actions or negligence caused or contributed to the property damage.
  • The policyholder has not followed the insurance company’s instructions for filing a claim.
  • The amount of the claim is greater than what Florida law allows.
  • The policyholder failed to provide necessary documentation or proof of ownership.

If your property damage claim has been denied, it is advised that you contact an experienced St. Petersburg property damage lawyer. A qualified attorney can review your insurance policy and help you understand why the claim was denied and advise you on how to proceed.

With legal assistance, it may be possible to successfully appeal the denial of your claim or even negotiate a more satisfactory outcome with your insurance company.

The Most Common Causes Of Property Damage Claims in St. Petersburg

Property damage cases can involve anything from a car accident to a broken window in your home. In St. Petersburg, there are numerous types of property damage that fall under the purview of a property damage lawyer. Here are some of the more common reasons why people seek legal assistance for St. Petersburg property damage claims:

1. Faulty Construction

Construction projects often involve large sums of money and many different players. If a contractor or subcontractor has failed to adhere to Florida building codes, property damage may occur that requires legal assistance for rectification.

2. Storm Damage

Florida’s climate is unique in its extreme weather patterns. From hurricanes to tropical storms, St. Petersburg residents are all too familiar with the kind of damage that Mother Nature can cause. Whether it’s flooding, wind damage or hurricane-related property destruction, St. Petersburg property owners often require legal help to navigate insurance coverage and other matters related to property damage.

3. Slip and Fall Accidents

Slippery floors, uneven walkways and other hazards can lead to slip-and-fall accidents that cause property damage. Florida’s premises liability laws may provide recourse for people who have suffered property damage caused by a negligent property owner.

4. Intentional Misconduct

Florida law allows for punitive damages when one person intentionally causes property damage to another (such as vandalism). When this type of incident occurs, you should contact an experienced St. Petersburg property damage lawyer for advice on how to proceed.

If you are a St. Petersburg resident who is facing the consequences of property damage or has suffered from someone else’s negligence, it may be in your best interest to seek legal representation from an experienced St. Petersburg property damage lawyer.

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

If you’ve experienced property damage due to a covered event and your St. Petersburg insurance company has denied your claim, you may have legal recourse. A property damage lawyer in St. Petersburg can help if an insurance company is denying a valid claim or not offering enough money to cover the damages. Florida law allows policyholders to sue their insurance company for bad faith or unfair claim denial.

If an insurance company is delaying your claim, not providing enough money to cover the damages, and denying a valid property damage claim, then you may be able to pursue legal action with help from an experienced St. Petersburg attorney. A lawyer can review your policy and guide you through the process of filing a bad faith insurance claim.

How Can Our St. Petersburg Property Damage Lawyers Help You?

If you are a St. Petersburg resident who has suffered property damage due to an accident, our St. Petersburg Property Damage Lawyers can help. Our team of experienced attorneys understands the challenges facing St. Petersburg property owners and has the expertise to guide you through the process of recovering compensation for your losses.

We will assess your unique situation and provide legal advice and solutions tailored to your needs. Our lawyers can help you navigate Florida’s complex laws and regulations related to property damages, as well as represent you in court if needed. We can also assist with obtaining necessary permits, insurance claims, and any other paperwork required for filing a claim.

$150,000 settlement for roof damage caused by wind

How Much Does It Cost To Hire A Property Damage Attorney?

The cost of hiring a property damage lawyer in St. Petersburg can vary depending on the complexity and scope of your case. Generally speaking, you may have to pay an hourly rate for the attorney’s services or a flat fee for specific services.

At Herman & Wells, we work on a contingency basis for our clients. This means that you don’t need to pay us any money up front. We take our fees only when we win your case, and we will never ask you for more than what is agreed upon in advance.

Book a Free Claim Review With Our St. Petersburg Property Damage Lawyers

No matter where you are located in St. Petersburg, Herman & Wells can help. We have a team of experienced St. Petersburg property damage lawyers in our offices in St. Petersburg and are dedicated to helping St. Petersburg residents resolve their property damage disputes.

Call (727) 821-3195 today to discuss your case and learn more about what we can do for you. We offer free case consultations and will provide an honest assessment of your legal options. Contact Herman & Wells today to get started!

Case Results

See More Case Results

Shifflet v. Citizens Insurance

Citizens denied our client’s claim, saying that it didn’t have to pay because the damage was caused by decaying organic soil. We filed suit and, after a week-long jury trial, the jury found for our client.

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



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(727) 821-3195