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About me

At Gallagher & Associates Law Firm, P.A. we offer our clients valuable legal guidance while employing a slightly different approach towards the attorney-client relationship.

We understand that even minor legal issues can result in anxiety for our clients. Therefore, we strive to help our clients understand the intricacies of the legal system while using our experience to provide the legal services every client deserves. We view our clients as essential members of the team.


Charles R. Gallagher III, Esquire is the founder of Gallagher & Associates Law Firm, P.A. Mr. Gallagher graduated from Stetson University of Law in St. Petersburg, Florida. after graduation he began practice with a large tampa firm focusing on insurance litigation. additionally, while at Stetson, Mr. Gallagher served as a Federal Judicial Intern for Chief Judge elizabeth A. Kovachevich of the U.S. Middle District of Florida.


While at stetson, Mr. Gallagher was the Director of the Legal Writing clinic, President of the christian Legal Society, a Teaching Fellow for Legal Research and Writing classes, a Teaching Assistant for Interviewing, Counseling and Negotiation classes, and an honor Court Attorney. Mr. Gallagher was awarded the Calvin Kuenzel Award in 1999 by a vote of the student body for campus leadership. Additionally, Mr. Gallagher was awardes the Judge Stanley Millage Award at graduation for academic excellence by a vote of the faculty.

Prior to attending law school, Mr. Gallagher worked as a paralegal with a large Orlando law firm. In 1995, Mr. Gallagher graduated from Rollins Collage in Winter Park Florida with a degree in Polities. Mr. Gallagher currently sits on the Alumni Associates Board of Directors for Rollins College.

Mr. Gallagher is currently admitted to practice before all courts within Florida as well as the U.S. Court of Appeals 11th Circuit, the U.S. District Court Middle District of Florida, the U.S. District Court Northern District of Florida and the U.S. Tax Court.


Mr. Gallagher is a member of the Florida Bar, the St. Petersburg Bar Associates and the Orange County Bar Association. Additionally, Mr. Gallagher is involved with a variety of pro bono and community service activities including the Community Law Program, Relay for Life, Making Strides Against Breast Cancer, and Breast Cancer 3-Day Walk.


Mr. Gallagher has experience in both litigation and transactional matters. His current practice focuses on insurance litigation, accident/injury litigation, and business litigation. Mr. Gallagher has extensive experience in litigatin all types of insurance disputes such as hurricane claims, toxic mold, lead paint, asbestos, theft, fire damage, sinkholes, settlement damages and denied insurance claims.

In addition to his litigation experience, Mr. Gallagher has experience in various transactional matters, including real estate transactions, probate, mortgages/notes, wills, trusts, and formation of corporations.


Finally, Mr. Gallagher has experience with regard to a variety of consumer law matters, such as credit repair, debt relief, deceptive trade practices and traffic court representation.


Languages spoken: Spanish

Photos and videos

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Practice areas


  1. Foreclosure: 60%
    15 years, 500 cases
  2. Insurance: 15%
    15 years, 600 cases
  3. Real Estate: 10%
    14 years, 200 cases
  4. Business: 10%
    15 years, 300 cases
  5. Consumer Protection: 5%
    14 years, 200 cases



Hourly ($275-350/hour), Fixed (always), Free consultation (30 minutes), Pro bono (5%)

Payment types:

Cash, Check

Attorney endorsements

35 total 

Are you an attorney? Endorse this lawyer

  • David Elbert Little

    I endorse this lawyer.


    David Little Criminal Defense Attorney
    Relationship: Fellow lawyer in community

  • John Francis Blake McMenamin Jr.

    I endorse this lawyer. I have Known Charles my entire career, as he was opposing Counsel on Many cases. Charles is well known in this community and is the "go to" guy for foreclosure matters in the Tampa Bay area. I highly recommend Charles and personally refer many potential Clients to Him. If you are looking for an extremely knowledgeable and aggressive Attorney, look no further!


    John McMenamin Insurance Attorney
    Relationship: Opposing Counsel on matter

Contact info

Gallagher & Associates Law Firm, P.A.

5720 Central Avenue
St. Petersburg, FL, 33707

Office () 27344
Office () 27381



FLMember in Good Standing200109/08/2015

Professional misconduct

This lawyer was disciplined by a state licensing authority.

  1. Admonishment
    issued in FL, 2010


    An admonition means an attorney did something wrong but may still practice law. The Bar gives the lawyer an admonition in hopes that he or she will not repeat the behavior.

    Charles’s comment: “This admonishement was a result of an email seeking collection of an unpaid account from a client where the client provided false information to the Florida Bar. The Bar found no misconduct associated with the representation of the client and only took issue with the threat to sue the client for defamation in connection with false statements to the bar.”

Avvo contributions
Legal answers
Award nameGrantorDate granted
Biz Tech AwardsTampa Bay Business Journal2011
Up & ComersTampa Bay Business Journal2011
Rising StarSt. Petersburg Times2010
Entrepreneur of the YearSt. Petersburg Chamber of Commerce2010
Rising StarTampa Bay Times2010
Rising StarSuper Lawyers2010
Silver AwardCommunity Law Program2007
Law Firm of the YearCommunity Law Program2004
Silver AwardCommunity Law Program2003
Who's Who Among College and University StudentsN/A2000
Judge Stanley Millege AwardStetson University College of Law2000
Calvin Kuenzel AwardStetson University College of Law2000
Mentor Leadership AwardStetson University College of Law1999
Who's Who Among American Law StudentsN/A1999
Work experience
TitleCompany nameDuration
PartnerGallagher & Associates Law Firm, P.A.2006 - Present
Associate AttorneyCasagrande & Associates, P.A.2003 - 2006
Associate AttorneyButler, Burnette & Pappas2001 - 2003
ParalegalLowndes, Drosdick, Doster, Kantor & Reed, P.A.1996 - 1998
Association namePosition nameDuration
Gulfport Chamber of CommerceBoard of Directors2010 - Present
Leadership St. PeteGraduate/Member2009 - Present
Clearwater Bar AssociationMember2006 - Present
Orange County Bar AssociationMember2006 - Present
Rollins CollegeBoard of Directors2004 - Present
West Coast Claims AssociationMember2004 - Present
Windstorm Insurance NetworkMember2004 - Present
The Florida BarMember2001 - Present
Hillsborough County Bar AssociationMember1998 - Present
St. Petersburg Bar AssociationMember1998 - Present
American Bar AssociationMember1998 - Present
Legal cases
Case nameOutcome
Meritplan Insurance Company v. Laughlin, 2005 WL 1054027 (U.S. District Court, Middle District of Florida 2005) Favorable Summary Judgment Order
William Childress v. Hess CorporationOn Appeal
Deskins v. Sarasota CountyPending
See all legal cases 
Publication nameTitleDate
St. Petersburg Bar's ParacleteFla. Stat. 57.105 Fees, To the Victor Go the Spoils, Or Do They2011
St. Petersburg Bar's ParacleteForeclosure's Uncharitable Gift: Docket Management2011
Paraclete MagazineThe Patriot Act: 9/11's Dubious Legacy2011
Paraclete MagazineBut You Already Knew That...Post Claim Underwriting2011
Paraclete MagazineDeposition Disasters....and How to Avoid Them2011
St. Petersburg TimesOne of Milions of Shattered Dreams2011
Tampa Bay Business JournalHomeowners Go On Offensive with Lawsuits2011
Tampa Bay Business JournalFinancing In Place Branding Begins2011
St. Petersburg TImesMortgage Modification Woes2010
St. Petersburg TimesRising Star2010
St. Petersburg TimesRecord Foreclosures2010
News Channel 8-Tampa Bay OnlineForeclosure Mediation Program2010
St. Petersburg TimesLawsuit Divides Mobile Home Park2010
Tampa Tribune3 Day Pays You Back in So Many Ways2010
Tampa Bay Business JournalForeclosure Crisis2010
Paraclete magazineRobert Decker2008
Bellair TimesHow to Hurricane Proof Your Business2008
Paraclete magazineBobby Reynolds: Calm In the Midde of a Storm2008
Mealey's Litigation Reports"Good Faith Stipulated Judgment Negotiated Without Participation of Insurer Deemed Insufficient in Failure to Settle Action", Vol 15, 22, 20022002
School nameMajorDegreeGraduated
Stetson University College of LawLawJD - Juris Doctor2000
Rollins CollegePoliticsBA - Bachelor of Arts1995
Speaking engagements
Conference nameTitleDate
Peoples Law SchoolProperty Insurance Law Update2011
Membership MeetingToxic Mold Litigation2011
Landlord Tenant LawLease Elements2011
St. Petersburg Bar Foreclosure ForumDeeds In Lieu of Foreclosure2010
NewsForeclosure Figures2010
NBIAdvanced UM Law in Florida2010
Tampa Bay ParalegalsForeclosure 1012009
SESLandlord Tenant Law in Florida2009
NBI National TeleconferenceEthical Considersiderations2009
NBIBad Faith Insurance Litigation2009
Florida Commercial Landlord Tenant LawLease Elements2009
Wills. Trusts and ProbateEstate Planning2008
Mold Claims and Litigation PanelToxic Mold2008
Mediation and Small Claim CourtAlternatives to Suing Someone2008
Legal Rights of AdultsLaw Day2008
Leadership RetreatLegal Marketing and Networking2008
Graduation RetreatSmall Firm Practice2008
Elder Law WorkshopWills, Trusts, & Estate Planning2008
Commercial Landlord and Tenant LawLease Issues2008
10 News in the MorningToxic Mold Claims2008
Law DayLegal Rights of Adults2007
St. Petersburg Legal Assistants Association MeetingSinkhole, Mold and Hurricane Litigation2006
Law DayLegal Rights of Adults2006
Windstorm Insurance ConferenceSinkhole Litigation2004
C&A Rimkus Consulting Insurance SeminarInsurance claims2004
Stetson Law OrientationProfessionalism2002