Brevard County is one of the fastest growing counties in the state of Florida with an increasing population of approximately 540,000. The county is known to be economically influenced by the John F. Kennedy Space Center and borders eastern Florida counties as well as the Atlantic Ocean. Although the county has grown exponentially, the area is still prone to natural disasters.
Hurricanes, tornadoes, sink holes, and other types of property damage are common in Brevard County. For that reason, many residents have a type of insurance which covers them in case their property is damaged. Often these insurance companies will do whatever possible to deny full compensation and may use bad faith practices to minimize coverage. In addition to property concerns, the number of businesses in Brevard County means contractual disputes and other civil litigation are a frequent occurrence.
In either scenario, it’s within your best interest to have legal representation. An experienced insurance or civil matters attorney can assess the facts of your case and determine if an argument exists. They can then begin building your case, so you’re thoroughly prepared when you enter the courtroom.
Insurance Lawyer in Brevard County, Florida
If your claim was wrongfully disputed or denied, we urge you to contact Michael Germain of Germain Law Group, P.A.. Attorney Germain advocates for the rights of insurance policyholders throughout Brevard County and other areas in the state of Florida. He is knowledgeable in all areas of Florida law and can apply that knowledge to your case, so you receive the best possible result.
To set up your first consultation with Melbourne insurance attorney Michael Germain call his office at (813) 835-8888. Germain Law Group, P.A. accepts clients throughout the greater Brevard County and Melbourne area including Titusville, Palm Bay, Cocoa, Merritt Island, Cocoa Beach, Rockledge, West Melbourne, Cape Canaveral and Indialantic.
- Do I Need a Lawyer for an Insurance Claim in Florida?
- What is a Bad Faith Insurance Claim?
- Civil Litigation Matters We Handle
- Brevard County Cities We Serve
- Legal and Court Resources in Brevard County, FL
Do I Need a Lawyer for an Insurance Claim in Florida?
A common mistake made by policyholders is to file an insurance claim and then contact their lawyer once they encounter a problem. That is because people expect their insurance companies to cooperate and provide coverage if they’ve paid their premiums on time. Unfortunately, that isn’t always the case. In fact, it’s very likely that your insurance company is actively gathering evidence to deny or underpay your claim despite it being covered in your policy. For these reasons and more, it’s important you contact an attorney with a background in insurance law to review your claim and policy.
A skilled insurance claims attorney can examine your policy closely and determine if your claim is covered under the contract. They can then handle any direct communication with your insurance company including their adjusters. That way your attorney can spot any inconsistencies or misrepresentation of facts made by the insurance company. They can even hire experts and public adjusters to gather evidence for why your claim is viable.
Having an attorney on your side before any issue occurs will definitely ease the claims process. However, if you’ve already filed a claim and have encountered a problem with your insurance it’s not too late. You can still hire a knowledgeable Brevard County insurance claims attorney to assess your claim and handle communications with your insurance. They can then file a lawsuit against your insurance company if there is ample evidence they are in breach of contract.
What is a Bad Faith Insurance Claim?
A bad faith insurance claim is when an individual brings legal action against their insurer for not acting in good faith when handling their claim. Under Florida law, insurance companies must attempt to settle all their claims in a fair and equitable manner. If an insurance company acts unfairly or is intentionally dishonest in hopes of minimizing coverage, then they would be considered in bad faith under Florida law. What’s considered a bad faith action can be found under Section 624.155 of the Florida Statutes. These include the following:
- Denying a claim without any justifiable reason or investigation
- Providing a low-ball offer that is way below what the claim is worth
- Failure to send a settlement check in a timely manner
- Failure to communicate in a prompt and timely manner
- Failure to adopt or implement standards for proper investigations of claims
- Misrepresent important facts or provisions related to the claim
Insurance companies who do any of the above are susceptible to legal action according to Florida laws. If your insurance company has acted in bad faith, then it’s within your best interest to file a lawsuit against them for their dishonest actions. If the lawsuit is successful, the court will likely grant you a monetary award based on your damages.
Civil Litigation Matters We Handle
Businesses must uphold fair and standard business practices to protect their employees and customers. If an individual has experienced unfair or unsavory business practices, then they can pursue monetary damages through civil litigation. Examples of manipulative business practices requiring civil action include debt collection harassment, deceptive trade practices, unlawful foreclosure, and other general business disputes. The following are some civil litigations we handle at the Germain Law Group, P.A..
- Intentional Infliction of Emotional Distress
- UCC – Sales of Goods
- Personal Injury
- Deceptive Trade Practices
- Debt Collection
- Real Property Disputes
- Construction Defect Litigation
- Invasion of Property
- General Business Disputes
- Unfair Business Practices
- Contractual Disputes
- Wage Garnishment
- Levying Property
- Small Business Litigation
- Fraudulent Inducement
Brevard County Cities We Serve
- Cape Canaveral
- Cocoa Beach
- Indian Harbour Beach
- Palm Bay
- West Melbourne
- Palm Shores
- Melbourne Village
- Merritt Island
Brevard County Court and Insurance Resources
Brevard County Civil Court – Visit the official website for the Florida Courts to learn more about the county civil court in Brevard County. Access the site to learn what’s under the county court’s jurisdiction, directions to the courthouse, information about jury duty and more.
Eighteenth Judicial Circuit Courts – Visit the official website for the eighteenth circuit court to learn more about their services for civil matters. Access the site to learn more about their court programs, the judges of the eighteenth circuit, resources for citizens, and information on the rules and regulations of court.
Clerk of the Brevard County Court– Visit the official website for the Brevard County clerk to learn more about what services they provide in civil cases. Access the site to search up a case online, submit any court payment you may need to make, learn court procedures, and more.
Florida’s Insurance Code – Visit the official website for Online Sunshine, a collection of Florida’s laws and legislation. Access the site to learn about civil remedies under the code and which state departments have jurisdiction over which case.
Insurance and Court Resources in Brevard County, FL
Are you having issues with your insurance claim or need representation for a civil matter? If so, we highly encourage you to get in contact with Michael Germain of Germain Law Group, P.A.. He has over a decade of experience disputing insurance matters including property insurance, worker’s compensation, life insurance and more. He is also well-versed in civil litigation and can assist you pursue monetary damages for unfair, unsavory business practices.
Set up your first consultation with Germain Law Group, P.A. by calling (813) 835-8888. Germain Law Group, P.A. accepts clients throughout the Brevard County area including Melbourne, Cape Canaveral, Cocoa, Cocoa Beach, Titusville, West Melbourne, Palm Bay, Rockledge, Satellite Beach and Indialantic.