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Flagler County

Found on the northeastern coast of Florida, Flagler County sits right next to St. Johns and Putnam County. The county was named after Henry Morrison Flagler who built the East Coast Railway and has a modest population of around 100,000 people. Flagler County may be a sleepier community relative to Florida. However, that doesn’t mean the county isn’t susceptible to natural disasters that could result in serious property damage.

Every year residents get prepared for flooding, thunderstorms, hurricanes, tornadoes, and other types of natural events. That is why most Flagler County residents have some type of property insurance. What you might not know is, that insurance companies sometimes deny or dispute valid claims in an effort to avoid paying their policyholders.

They may cite exclusions that don’t exist, misrepresent facts, fail to conduct a proper investigation, or a number of other bad faith practices in an effort to deny your covered claim. To learn how you can fight back and the collect the compensation you were promised, we urge you to contact Germain Law Group, P.A.. An experienced insurance lawyer can assess the situation and determine all your possible legal options.

Insurance Claims Lawyer in Bunnell, Florida

Has your insurance company denied your claim even though it was listed in your policy? If that’s the case, we recommend you talk to Germain Law Group, P.A.. Michael B. Germain has over a decade of experience in insurance law. He’s had years of practice representing insurance companies, so he understands the lengths they will go to avoid providing coverage.

With his prior knowledge and extensive resources, attorney Germain can help you. Call his office at (813) 835-8888 to set up your first consultation free of charge. Germain Law Group, P.A. accepts clients throughout the greater Flagler County area including Bunnell, Palm Coast, Flagler Beach, Beverly Beach, Marineland, Korona, Bimini, Daytona North, and Dupont.

Information Center:

  • Can I Sue My Insurance Company?
  • Flagler County Insurance Resources in FL
  • Average Rate for Homeowner Insurance in Flagler County
  • Civil Matters We Handle
  • Flagler County Cities We Serve 

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Can I Sue My Insurance Company?

The succinct answer is yes. Insurance companies and their staff must adhere by the rules set forth in the Florida Insurance Code and by the Department of Insurance Regulation. According to these rules, insurance companies must handle every claim in good faith. Essentially, that means the insurance company must extend their greatest effort to determine if your claim is covered, offer a fair and equitable settlement, and then send that money in a timely manner.

Failure to do these actions with claims covered within your policy provisions is technically a breach in contract and violates Florida’s insurance rules. Because of this, your insurance company can be held liable for damages because of their bad faith actions. The following are a few more examples of bad faith practices insurance companies are prohibited from doing:

  • Offering low-ball settlements that are significantly less than what the claim is worth
  • Failure to communicate in a timely manner
  • Conducting an improper investigation by not adopting the appropriate standards
  • Failure to send the settlement in a reasonable time frame
  • Denying the claim without conducting an investigation

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Insurance Resources in Flagler County, FL

Seventh Judicial Circuit | Flagler County Courthouse – Visit the official website for the Seventh Judicial Circuit which has jurisdiction over civil matters in Flagler County, Florida. Access the site to learn about the Flagler County courthouse, their hours of operation, and rules of the court.

Flagler County Clerk & Comptroller – When filing a civil suit against someone, at some point you’ll be required to visit the Flagler County clerk. Visit the official website for Flagler County’s current clerk, Tom Bexley, and learn what they have to offer their residents online. Access the site to search court records, contact information for both the county and circuit court, file something online, and download important forms straight from the site.

Insurance Code in Florida – Visit the official website for Florida’s laws and legislation to learn more about insurance laws and regulations in the state. Access the site to learn more about policyholder rights, civil remedies that may be helpful, and other important information.

Office of insurance Regulation in FL – Visit the official website for the Florida Office of Insurance Regulation to learn more about their responsibilities regulating and enforcing those regulations with insurance companies and policyholders. Access the site to locate forms, rate filings, compare rates, search for insurance companies, find more resources, and look at industry reports or other types of data.

Insurance Consumer Advocate in FL – Florida’s Insurance Consumer Advocate is an independent leader and is dedicated to being an effective and powerful voice for the consumers in Florida. Currently, Tasha Carter is the appointed ICA in Florida. Access her site to learn how she plans to educate consumers, help policyholders with insurance matters, and serve as a voice in the legislative system for the common Floridian.

National Association of Insurance Commissioners – Visit the official website for the National Association for Insurance Commissioners (NAIC), which is composed of state government officials responsible to regulating insurance companies across the nation. Access the site to file a complaint, gain advice on what to do with your insurance company, and find more resources that may help you.


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What is the Average Cost of Homeowners Insurance in Flagler County, FL?

Home Values in Flagler County, FLPercentage of Total ValueRate
Less than $50,0005.0%$153
$50,000 to $59,9991.0%$341
$60,000 to $69,9991.0%$424
$70,000 to $79,9991.0%$483
$80,000 to $89,9993.0%$554
$90,000 to $99,9993.0%$613
$100,000 to $124,99912.0%$719
$125,000 to $149,99912.0%$896
$150,000 to $174,99914.0%$1061
$175,000 to $199,9999.0%$1214
$200,000 to $249,99916.0%$1473
$250,000 to $299,9999.0%$1792
$300,000 to $399,9999.0%$2287

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Other Civil Matters We Handle

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

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Flagler County Cities We Serve

  • Bunnell
  • Flagler Beach
  • Palm Coast
  • Marineland
  • Beverly Beach
  • Korona
  • Painter’s Hill
  • Favoretta
  • Flagler Estates
  • Dupont
  • Daytona North
  • Cody’s Corner
  • Bimini

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Bunnell Insurance Lawyer in Florida

Contact Germain Law Group, P.A. if your insurance company is denying or disputing your claim without a valid reason. Michael B. Germain can assess the claim, determine if you have an argument for coverage, and zealously represent you until you receive the compensation you were promised. Don’t wait another moment to secure the money you are entitled to. Call Germain Law Group, P.A. today to learn all your legal options.

Germain Law Group, P.A. can be reached at (813) 835-8888 or you can submit an online contact form for a free consultation. Germain Law Group, P.A. accepts clients throughout the greater Flagler County area and surrounding counties including Hillsborough County, Pinellas County, Pasco County, Volusia County, Miami-Dade County, Orange County, Hernando County, De Soto County, and in many other regions throughout the state of Florida.


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