St. Petersburg Water Damage Insurance Lawyers

Living in a coastal state like Florida, water damage is an ever-present concern. With hurricane season only months away, St. Petersburg residents should take every precaution to stay safe—including having the right water damage insurance coverage that will give you peace of mind if your home or business property floods.

Regardless of where and when it happens, learning all you can about water damage insurance claims and finding knowledgeable attorneys who are experienced with local laws and regulations can really make the difference between getting the coverage you deserve or not.

At Herman & Wells, our St. Petersburg Water Damage Insurance Lawyers are ready to help investigate your case and provide legally sound guidance throughout the entire process so that you can move on from this traumatic experience as quickly as possible.

Homeowner contacts St. Petersburg water damage lawyers immediately after discovering leak.

The Cliff Notes: Key Takeaways From This Page

  • St. Petersburg, Florida’s local laws and regulations must be taken into consideration when disputing a water damage insurance claim.
  • It’s important to compile evidence such as photo evidence, professional cost estimates, testimonies from repair professionals, and expert consultations in order to successfully dispute a denied water damage claim.
  • The statute of limitations for filing a dispute against a denied water damage claim in St. Petersburg is two years.
  • Don’t take on the complexities of disputing a denied water damage claim alone – contact Herman & Wells for expert legal assistance and representation, and turn your denial into an approval!

Was Your Water Damage Insurance Claim Wrongfully Denied?

Understanding whether your water damage claim has been wrongfully denied can sometimes be tricky. However, there are a few signs that may raise suspicion. For instance, if the insurance company denies your claim without a thorough investigation or provides an unjustifiably low settlement offer, you may be dealing with a wrongful denial.

An insurer might also deny a claim based on ambiguous policy language, or even delay the process unnecessarily. If you’re facing any of these scenarios, it’s crucial to consult with a professional who can help you navigate the complexities of water damage insurance claims.

St. Petersburg Water Damage Insurance Lawyers: How We Can Help You

Our experienced team at Herman & Wells is committed to protecting your rights and ensuring you receive the compensation you rightfully deserve. We understand the intricacies of water damage insurance claims and are well-versed in the local laws of St. Petersburg, Florida. We’ll meticulously review your insurance policy and assess the extent of your water damage, helping you understand your coverage and the compensation you are entitled to.

With our assistance, you can confidently challenge wrongful denials, fight for fair settlements, and mitigate the financial impact of water damage on your property. Trust us to navigate this complex process and bring you peace of mind during this challenging time.

How Much Does It Cost To Hire A Lawyer To Dispute Your Denied Claim In St Petersburg?

The cost of hiring a lawyer to dispute your denied claim can vary, depending largely on the specifics of your case and the complexity of the issues involved. At Herman & Wells, we believe in transparency and fairness when it comes to legal fees. Therefore, we operate primarily on a contingency fee basis, which means you don’t pay anything unless we win your case or achieve a settlement.

This approach ensures that you can access quality legal representation, regardless of your current financial circumstances. It’s our commitment to help St. Petersburg residents navigate the potentially daunting process of water damage insurance claims without adding to your financial stress.

Strategies to Challenge Denied Water Damage Insurance Claims

At Herman & Wells, we strategically approach each water damage insurance claim by first thoroughly reviewing the terms and conditions of your insurance policy. This enables us to identify any inconsistencies in the insurer’s denial decision. We then collect, organize, and present compelling evidence to support your claim, such as photographs of the damage, professional cost estimates, and testimonies from water damage repair professionals.

We also consult with experts in fields like construction, engineering, and meteorology to substantiate your claim. By leveraging our comprehensive knowledge of St. Petersburg, Florida’s local laws and regulations, along with our proven negotiation skills, we aim to overturn wrongful denials and secure the maximum possible settlement for your water damage claim.

What Evidence Is Needed To Dispute A Denied Water Damage Claim In St. Petersburg

To successfully dispute a denied water damage claim in St. Petersburg, Florida, compiling a comprehensive body of evidence is crucial. This evidence will serve to substantiate your claim and 11.

Photo Evidence

Photographs provide a visual testament to the extent and nature of the water damage. They can show the initial state of the property immediately after the damage occurred, as well as track the progression of damage over time. This visual evidence is invaluable when disputing a denied claim.

Professional Cost Estimates

Having a professional conduct a comprehensive assessment of the damage and provide an estimate of repair costs can be a powerful component of your evidence. These estimates not only quantify the financial impact of the damage but also provide an expert’s insight into the severity and scope of the water damage.

Testimonies from Repair Professionals

In addition to cost estimates, testimonies from water damage repair professionals can also serve as a strong piece of evidence. These professionals can provide expert opinions about the cause, extent, and necessary repairs related to the water damage, which can serve to substantiate your claim.

Expert Consultations

Consultations with experts in fields such as construction, engineering, and meteorology can provide an added layer of credibility and depth to your claim. These experts can corroborate the cause of the damage and its impact, as well as testify to the practicality and necessity of the proposed repairs.

Successful Case Examples: Water Damage Insurance Claim Resolutions

One notable case handled by Herman & Wells involved homeowners in St. Petersburg, Florida, who experienced extensive water damage due to a pipe break in their home. Their insurance company initially paid out a claim of approximately $11,000, far below the amount required to adequately address the damage. Despite enlisting the aid of a public adjuster to help with the claim, the homeowners were met with resistance from the insurance company who refused to pay out a reasonable amount.

Recognizing the need for expert legal involvement, the public adjuster reached out to Herman & Wells. We took immediate action and filed a lawsuit on behalf of the homeowners. Our diligent investigation and compelling representation resulted in the insurance company agreeing to a settlement of an additional $69,500. This brought the total compensation for the homeowners to $80,500, offering them a significant relief and enabling them to properly repair their home. This case stands as a testament to our commitment in ensuring clients in St. Petersburg receive the full insurance compensation they are entitled to.

$80,500 settlement for a water damage caused by a broken pipe

How Long Does It Take To Dispute A Denied Water Damage Claim?

The timeframe to dispute a denied water damage claim can vary significantly based on several factors, including the complexity of the case, the amount of evidence gathered, and the responsiveness of the insurance company. Generally, it could take anywhere from a few weeks to several months.

In St. Petersburg, Florida, our experienced team at Herman & Wells works diligently to expedite the process. We understand the urgency of resolving water damage issues and aim to secure a favorable outcome as swiftly as possible while ensuring a thorough and meticulous approach to each case

Is There A Time Limit For Filing A Dispute Against A Denied Water Damage Claim In St. Petersburg?

In St. Petersburg, Florida, a significant factor to consider when disputing a denied water damage claim is the statute of limitations. According to a recent legislative update, the limit for filing a dispute against a denied water damage claim is two years.

This period starts from the date of loss, meaning the day the water damage incident occurred. It’s crucial to act promptly and engage legal assistance quickly to effectively navigate the dispute process within this timeframe. Ignorance of this deadline could result in the forfeiture of your right to challenge the insurance company’s decision.

Water Damage Claim Denied? Call Herman & Wells

When you’re confronted with water damage and a denied insurance claim in St. Petersburg, Florida, remember you’re not alone. The qualified team at Herman & Wells is dedicated to fighting for your rights and securing the compensation you deserve. Don’t let the complexities of the insurance claim process overwhelm you. Call (727) 821-3195 to us for a free consultation, and we’ll take the reins, providing you with the professional representation you need to challenge the denial and secure the best possible outcome for your claim. Remember, we don’t get paid unless you do. Contact Herman & Wells today – let’s turn your denial into an approval.

Case Results

See More Case Results

Denied Claim for Septic Tank Backup

Soon after buying their home, our clients had water that backed up from their septic system into their house, damaging their floors and walls.  The insurance company denied the claim and later tried to limit the homeowners’ recovery to just $5,000 because of a sewer backup clause in the insurance policy.  We argued the issue before the court and won.  Shortly before the case was going to be tried, we were able to resolve the claim for $130,000.

Initial Position

Claim Denied


Denied Water Damage Claim

Our client’s business was flooded when a pump failed during a hurricane, shutting down the business’s ability to generate income until repairs were complete.  The insurance company denied the claim based on exclusions in the policy for water damage.  We sued the insurance company and were able to recover $190,000.

Initial Position

Claim Denied


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(727) 821-3195