Germain Law Group, P.A

Termite damage is a common area for insurance companies to deny your claim when they should be paying out. Insurance agents will often claim your policy does not cover termite damage, even when it actually does. Even if there is a specific termite exclusion written into your policy, it may be possible to recover damages caused by or related to termites based on another clause in your policy. Contact the Germain Law Group at (813) 835-8888 for a consultation about your termite damage insurance claim in Tampa, Florida.

Floods are the most common natural disaster in the United States. This kind of damage can occur from flash floods, heavy storms, hurricanes or when rivers or lakes overflow. Flood damage to real or personal property usually results when an excess of water or mudflow saturates normally dry land. Flood damage often leads to additional water or mold and mildew damage. Even an inch of water in a home can cost thousands of dollars to repair. If your insurance claim for flood damage has been unlawfully denied or denied in bad faith, it is imperative to hire an experienced property insurance lawyer for a claim in the Tampa Bay area.

Whether the fire is on your property or someone else's, damage from smoke can be extensive. It can cover everything - your walls, your furniture, your art, your clothing. Much of your property may be unsalvageable, and what's left may be very expensive to clean up. Your home may even be uninhabitable. If you have property insurance, it's very likely that your damage is covered. However, recovering the full amount may be a challenge. If your property has been damaged by smoke, our Tampa damage by smoke lawyers at Germain Law Group can help you get the settlement from your insurance company that you deserve.

Water damage to real or personal property can arise from a hurricane, flooding, flash floods, broken water pipes, or sewage back-ups. This type of damage can result in rotted wood, rusted steel, mold and mildew damage, and several other kinds of damage to materials in your home or building. If your water damage claim was illegally denied or your insurance company acted in bad faith, it is imperative to hire a Tampa insurance lawyer knowledgeable in all areas of property damage claims. Contact the Germain Law Group at (813) 835-8888 for a consultation about your water damage claim in Tampa, Florida.

Fire claims to an individual's property can arise from several factors. During extensive periods of heat or drought in Florida, wildfires often start that can spread from house to house causing significant property damage. Fires resulting in property damage can also occur from arson or an accident in the home. After a fire has ravaged your home or business, there can be many types of damage, including structural damage, water damage, smoke damage, damage to the building's plumbing or electric systems, and damage to the personal property inside the structure.