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Generally, pleasant weather, a variety of scenic landscapes, and numerous popular attractions are just a few of the reasons that thousands of people move to Florida every month. They are also why people born and raised in the Sunshine State decide to stay here.
Making sure that you have insurance for your property is an unavoidable aspect of living in Florida because of the occasional accidents and natural disasters. While consumers make regular payments under the belief that they will be covered in the event something unfortunate should happen, insurance companies frequently find ways to interpret policies such that payments can be minimized or altogether denied.
If your insurance company is delaying payment on or has unfairly denied your recent claim, you may still have options. Germain Law Group helps residents of the greater Tampa area, including communities in Hillsborough County, Pinellas County, Polk County, Pasco County, Hernando County, Citrus County, and many other surrounding areas.
Michael B. Germain has more than a decade of experience with all sorts of insurance claims, and he has been repeatedly recognized as a Florida SuperLawyer in the field of insurance coverage litigation. You can have him review your case as soon as you call Germain Law Group or submit an online form to schedule a free, no-obligation consultation.
Insurance is rarely cheap. Many people often pay very costly premiums in order to maintain coverage with the reasonable expectation that they will be compensated for losses following a hurricane, a flood, or some other similar event.
When insurance companies deny these people’s claims or offer insufficient settlement amounts, too many people assume that they must begrudgingly accept the choices as the only possible outcomes. Germain Law Group fights to make insurers honor their policies for such types of insurance as:
In addition to insurance issues, Michael B. Germain also provides legal representation for people who have sustained serious injuries as the result of another party’s negligence. In these types of cases, families can face significant, possibly lifelong challenges.
Accident victims are not only unable to return to work to support their families, but many cannot return to the jobs they once held. Depending on the types of injuries suffered, some victims are limited in their basic abilities to care for themselves.
Germain Law Group handles such personal injury cases as:
Floridians have many other complicated situations in which they need assistance to protect their rights as consumers or businesses. With this in mind, Michael B. Germain also provides legal counsel in a variety of other areas of civil law.
The civil litigation practice of Germain Law Group includes such areas as:
Florida Office of Insurance Regulation — This office regulates the state's insurance providers. Its mission is to “promote a stable and competitive insurance market for consumers.” This website has various hurricane season resources, including emergency rules and orders, executive orders, and consumer resources such as a home inventory checklist. There are also links for Public Records Requests, ways to request assistance with an insurance question or file an insurance-related complaint, and information on upcoming events.
Florida Department of Financial Services — This state agency was created in 2002 after the Florida Legislature amended the state constitution to merge the Department of Insurance, Treasury, State Fire Marshal, and Department of Banking and Finance into a single department. On this website, you can find various consumer resources, including information about Florida's Insurance Consumer Advocate. Created in 1990, the Office of the Insurance Consumer Advocate increases consumer awareness, assists consumers in matters affecting insurance issues, and performs legal research, seeks public input, and develops proposed legislation that serves the interests of Florida's insurance consumers.
Has your insurance company denied your claim? Is it delaying payment? Have you been told that your claim is not covered by your policy?
You should immediately contact Germain Law Group for help obtaining a more favorable resolution to your situation. Michael B. Germain represents clients all over the Tampa area, including Hillsborough County, Citrus County, Hernando County, Pasco County, Pinellas County, and surround areas.
Our firm can help you understand all of your legal options during a completely free initial consultation. Call (813) 835-8888 or submit an online form to receive a confidential review your case.