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Charlotte County

Located in the western southern region of Florida, Charlotte County is home to a population of around 158,000 people. The area offers a vast array of events, night life, as well as boating and fishing opportunities. It’s also home to several historical sites dating back to the civil war.  Despite this rich culture, the County of Charlotte is not without issues.

Charlotte County, as all Florida counties, is susceptible to serious storms or other types of natural disasters that could result in property damage. Hurricanes, sinkholes, and tornados are common occurrences and in fact most Floridians have insurance already prepared in case their property is damaged. Unfortunately, some insurance companies will do whatever possible to deny their policyholders full and fair compensation.

If you believe your insurance company is in bad faith for disputing or denying your claim, we urge you to contact Germain Law Group, P.A..

Insurance Claims Lawyer in Charlotte County, FL

Understanding why your insurer may be disputing or denying your claim is the first step to compensation. The next is to hire an experienced insurance claims attorney as soon as possible. Find that lawyer with Germain Law Group, P.A.. Michael B. Germain has years of experience under his belt representing policyholders for years. His past experience as an insurance defense lawyer gives him valuable insight into how insurance companies work and think.

Call Germain Law Group, P.A. today at (813) 835-8888 to set up your first consultation in the greater Port Charlotte and Charlotte County area including Punta Gorda, Charlotte Harbor, Rotonda West, Babcock Ranch, Cleveland, Englewood, Charlotte Park, Grove City, and Manasota Key.

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What is an Insurance Attorney?

Lawyers who focus on insurance law are commonly referred to as insurance claims lawyers. These professionals handle matters related to insurance law and regulations. When the lawyer is on the side of the policyholder, their goal is to help them receive maximized compensation from their claim. In some cases, the goal of an insurance attorney can also be to hold the insurance company itself accountable.

Some insurers will violate their contract or the Florida Insurance Code in an effort to avoid providing a proper payout to their policyholders. When this happens, it’s important to secure the legal counsel of an experienced Charlotte County insurance claims lawyer. They can assess the situation and determine if the insurer is in violation of your contract or Florida laws. If there’s strong evidence of bad faith, then your attorney can file a suit against them for the compensation you were originally owed plus damages.

As your representation, your insurance attorney will take over all communications with the insurance company. That means no more long phone calls with adjusters or agents using confusing verbiage designed to coerce you. Instead, your attorney will serve that role and speak to the adjusters and agents directly. They can determine if the agent or adjuster is misrepresenting facts and because they share the same amount of knowledge on insurance (sometimes even more), the adjuster or agent will not be able to “talk their way out” of providing full and fair compensation.

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Civil Litigation Matters We Handle

Michael B. Germain handles other forms of tort litigation other than property damage claims such as personal injury, contractual disputes, and other various civil matters. Listed below are some civil litigations cases the Germain Law Group, P.A. has handled in the past.

  • Wage Garnishment
  • Deceptive Trade Practices
  • Real Property Disputes
  • Levying Property
  • Small Business Litigation
  • Intentional Infliction of Emotional Distress
  • General Business Disputes
  • UCC – Sales of Goods
  • Personal Injury
  • Construction Defect Litigation
  • Invasion of Property
  • Unfair Business Practices
  • Contractual Disputes
  • Fraudulent Inducement
  • Debt Collection

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 Home Insurance Florida Average in Charlotte County

Home Value in Charlotte County % of Total Average Homeowner’s Rate
Less than $50,000 7.0% $186
$50,000 to $59,999 3.0% $395
$60,000 to $69,999 4.0% $488
$70,000 to $79,999 5.0% $558
$80,000 to $89,999 5.0% $640
$90,000 to $99,999 5.0% $710
$100,000 to $124,999 11.0% $826
$125,000 to $149,999 9.0% $1035
$150,000 to $174,999 11.0% $1222
$175,000 to $199,999 7.0% $1408
$200,000 to $249,999 10.0% $1699
$250,000 to $299,999 8.0% $2071
$300,000 to $399,999 9.0% $2630

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Insurance Resources in Charlotte County, FL

Florida Insurance Consumer Advocate – Tasha Carter is the official Insurance Consumer Advocate (ICA) in Florida. Access the site to learn how she increases awareness and education around consumerism, assisting policyholders with insurance matters, and her efforts to engage effectively with legislation to represent consumers in Florida.

Insurance Rules and Statutes – Learn the statutes and rules pertaining to insurance and insurance companies by visiting the official website for the Division of Insurance Agent and Agency Services. Access the site to learn more about what rules insurance companies must follow when determining if a claim is valid, penalties for failure to uphold these laws, and other laws related to insurance claims and insurance.

Department of Insurance Regulation in FL – In an effort to protect both policyholders and insurance companies, the Department of Insurance Regulation was created. Access their site to learn more about the rules for insurance companies, compare rates, look at industry data and reports, and find resources for policyholders.

Insurance Information Institute – The Insurance Information Institute was created to help improve the national public’s understanding of insurance and their options as policyholders. Access the site to learn more about property damage claims, read statistics for claims in your area, and read articles about insurance and matters related to insurance.

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Insurance Court Resources in Charlotte County, FL

Charlotte County Courthouse | 20th Judicial Circuit – Visit the official website for Charlotte County’s courthouse and the 20th Judicial Circuit. Access the site to learn how you can file something electronically, pay a court payment online, and other important information.

Charlotte County Clerk – Visit the official website for the Charlotte County clerk, Roger D. Eaton. Access the site to use their online services, look up court records, file something online, and resources for those who need it.

Florida’s Insurance Code – Visit the official website for Online Sunshine, a collection of Florida’s laws regarding insurance and insurance related matters. Access the site to learn about civil remedies under the code and which state departments have jurisdiction over which case.

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Charlotte County Cities We Serve

  • Port Charlotte
  • Punta Gorda
  • Babcock Ranch
  • Charlotte Harbor
  • Cleveland
  • Englewood
  • Grove City
  • Harbour Heights
  • Rotonda
  • Solana
  • Manasota key
  • Charlotte Park

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Charlotte County Insurance Lawyer in Florida

It’s your expectation as the policyholder that your insurer upholds their contract and provide full and equitable coverage. When your insurance company knowingly and intentionally refuses to do so, you can hold them accountable. Call Germain Law Group, P.A. at (813) 835-8888 to set up your first consultation with insurance lawyer Michael B. Germain.

Attorney Germain can assess your claim and determine if there’s an argument for coverage. He can take over all communications with the insurance company and determine if they’re acting in bad faith. From there, he can advise you on what the next best legal option to pursue is.

Germain Law Group, P.A. accepts clients throughout the greater Charlotte County area and surrounding areas including Sumter County, Hillsborough County, Polk County, Hernando County, Citrus County, Pinellas County, and other regions throughout the state of Florida