Franklin County is a relatively smaller county in Florida with a population of around 12,000 people. The county is located in the panhandle and borders the Gulf of Mexico. This close proximity to the Gulf leaves the county vulnerable to multiple natural disasters such as hurricanes and flooding. Not only that, but like the rest of the state, Franklin County is a common target for thunderstorms, sink holes, tornadoes, and wildfires.
These events could potentially damage and even demolish a home or business. That is why property owners are keen to have insurance to protect themselves. Unfortunately, insurance companies are not always ethical. They may deny or dispute a covered claim intentionally after a natural disaster because they are dealing with so many claims at once. Agents and adjusters may conduct faulty investigations, ask for unnecessary paperwork, and do a variety of bad faith practices to exhaust you into accepting a low-ball offer or a denied claim.
Don’t let this happen to you. If your insurance has denied a claim that’s well within your policy’s guidelines, visit the article we have linked below.
Insurance Claims Attorney in Franklin County, FL
Your insurance company should be helping you in a time of crisis, not making everything worse. If you are having issues filing a claim with your insurer, call Germain Law Group, P.A.. Michael B. Germain has assisted thousands of policyholders file successful claims. He’s also experienced at representing and litigating for his clients in a courtroom if necessary.
With over a decade of experience on his side, Michael B. Germain may be the right fit for you. Call Germain Law Group, P.A. today at (813) 835-8888 to set up your first consultation. Germain Law Group, P.A. accepts clients throughout the greater Franklin County area including Apalachicola, Carrabelle, Eastpoint, and St. George Island.
- Do I Need a Lawyer for an Insurance Claim in FL?
- Insurance Resources in Franklin County, FL
- Average Homeowners Rate in Franklin County, FL
- Civil Litigation Matters We Handle
- Franklin County Cities We Serve
Do I Need a Lawyer for an Insurance Claim in Florida?
One of the most common mistakes made by policyholders is they contact an attorney after they’ve filed a claim. Usually, they only contact a lawyer after they’ve encountered a problem with processing the claim. Its natural policyholders would do this, though, because they trust their insurance companies to cooperate and provide fair coverage for covered claims.
However, not all insurance companies put the policyholder first. Insurance is like any for-profit business; their goal is to earn revenue. So, they may use unethical and bad faith practices to deny or underpay your claim despite the fact it’s covered under your shared contract.
Hiring an insurance claims attorney before or while you’re filing a claim can help you avoid this fiasco altogether. Your insurance attorney can ensure the claim is within policy guidelines, draft the claim for you, and collect evidence to support it. They can also take over all communications with your insurance company. Yes, no more long phone calls with adjusters or agents. Instead, your attorney will handle all of that. Plus, agents and adjusters are less likely to misrepresent facts or use confusing verbiage as they know your attorney has just as much (and sometimes more) insurance knowledge as them.
Having an attorney on your side before you file a claim can make for a much smoother process. But if you’ve already filed your claim and it wasn’t disputed or denied that doesn’t mean it’s too late. Your attorney can assess the claim to determine if it’s within your policy. They can then negotiate with your insurance company and if those negotiations lead nowhere, they can ultimately file a suit against your insurer for acting in bad faith. Either way, hiring an attorney at some point during the claims process is a smart decision.
Insurance Resources in Franklin County, FL
2nd Judicial Circuit Court | Franklin County Courthouse – Visit the official website for the Second Judicial Circuit Court to see more information about the Franklin County courthouse. Access the site to learn more about their calendar for the month, rules for the court, and current justices.
Franklin County Clerk – Visit the official website for the Franklin County clerk, Michele Maxwell, to learn more about their services. Access the site to file a document electronically, pay a court payment, search up court records, and download important forms you may need.
Insurance Code in Florida – Visit the official website for Florida’s laws and legislation to learn more about insurance laws and penalties for violating them. Access the site to learn more about policyholder rights, standards for insurance companies, and other valuable information.
Office of insurance Regulation in FL – Visit the official website for the Florida Office of Insurance Regulation to learn more about how they enforce regulations for insurance companies as well as policyholders. Access the site to locate forms, compare rates, search for insurance companies, find more resources, rate filings and look at data about the industry.
Insurance Consumer Advocate in FL – Florida’s Insurance Consumer Advocate (ICA) is an independent figure who is dedicated to being the voice of the consumers in Florida. Currently, Tasha Carter is the appointed ICA in Florida and has been since 2018. Access her site to learn how she spreads education about insurance matters, help policyholders with insurance disputes, and serve as a voice in the legislative system for the Floridian consumer.
How Much is Homeowners Insurance in Franklin County Florida a Month?
|Value of Franklin County Home||Percentage of Total Value||Avg. Rate|
|Less than $50,000||14.0%||$174|
|$50,000 to $59,999||4.0%||$373|
|$60,000 to $69,999||5.0%||$466|
|$70,000 to $79,999||6.0%||$536|
|$80,000 to $89,999||6.0%||$617|
|$90,000 to $99,999||2.0%||$687|
|$100,000 to $124,999||8.0%||$792|
|$125,000 to $149,999||7.0%||$1002|
|$150,000 to $174,999||12.0%||$1177|
|$175,000 to $199,999||3.0%||$1364|
|$200,000 to $249,999||13.0%||$1644|
|$250,000 to $299,999||4.0%||$2005|
|$300,000 to $399,999||8.0%||$2553|
Other Civil Matters We Handle
- Fraudulent Inducement
- Wage Garnishment
- Small Business Litigation
- Contractual Disputes
- Intentional Infliction of Emotional Distress
- Deceptive Trade Practices
- General Business Disputes
- UCC – Sales of Goods
- Unfair Business Practices
- Personal Injury
- Construction Defect Litigation
- Invasion of Property
- Debt Collection
- Real Property Disputes
- Levying Property
Franklin County Cities We Serve
- George Island
- Alligator Point
- Lanark Village
- Bald Point
Insurance Attorney in Apalachicola, Florida
If you are having issues filing a claim with your insurer, talk to Germain Law Group, P.A.. Michael B. Germain has over 10 years of experience in insurance law. In the past, he would represent insurance companies. Now, he dedicates his whole career to helping policyholders using the information he learned in his past practice. Speak to Germain Law Group, P.A. today to learn your legal options.
Call Germain Law Group, P.A. today at (813) 835-8888.