Located in the Tampa, St. Pete, and Clearwater metropolitan area, the county of Hernando is one of the fastest growing areas in the state. The county has experienced a recent surge in population with about 200,000 people living there in total. The economic and residential boom of Hernando County is great for its residents looking to set up their homes and businesses.
Unfortunately, Hernando County citizens have one thing standing between them and their goals. That being the possibility of a natural disaster. Since Hernando County is located in the west central coast of Florida, the area is a huge target for serious natural disasters. Hurricanes, large rainstorms, tropical storms, tornadoes, flooding, sink holes, and other natural events damage and even destroy Hernando County properties every day in a blink of an eye.
That’s why Hernando County residents lean so heavily on their insurance companies. However, what happens when your insurance company is no longer cooperating despite the fact you filed a valid claim? What are your options then? If you’ve found yourself in a similar situation, we highly encourage you to speak to an insurance law attorney today.
Insurance Lawyer in Spring Hill, Florida
It can be devastating when your home or business has been significantly damaged without warning. The stress of that situation can expedite exponentially if your insurance company disputes your claim, and if it’s denied you’re left without any options. Don’t let yourself be in this vulnerable position and instead safeguard yourself and your property by hiring experienced legal counsel as soon as possible.
Michael B. Germain of Germain Law Group, P.A. has over 10 years of experience representing both insurance companies and policyholders. His prior experience representing insurers gives attorney Germain unique insight into how they function. With his past knowledge and current drive to succeed, attorney Germain can analyze your claim and work tirelessly to help you recover.
Call Germain Law Group, P.A. to set up your first consultation at (813) 835-8888. Germain Law Group, P.A. accepts clients throughout the greater Hernando County area including Brooksville, Spring Hill, Bayport, Brookridge, Weeki Wachee Gardens, North Weeki Wachee, Pine Island, South Brooksville, Timber Pines, Garden Grove, High Point, Hill ‘n Dale, Nobleton, and Aripeka.
- What to Do When an Insurance Company Denies Your Claim
- Average Homeowner Insurance Rate in Hernando County, FL
- Hernando County Insurance Resources
- Other Civil Litigation Matters We Handle
- Hernando County Cities We Serve
What to Do When an Insurance Company Denies Your Claim
When you signed a contract with your insurance company, you had an expectation. You understood that as long as you pay your premiums on time that your insurer will cover any claim within your policy. Now that you’re filing a claim with your insurer all you’re met with is disputes, endless delays, missed phone calls, and more grief than ever before. It can feel as if you’re fighting a losing battle and you might wonder, what options do I have now?
Thankfully despite what your insurance adjuster or agent says you do have options. You can secure the counsel of a trusted and experienced insurance lawyer and seek assistance from them. An insurance claims lawyer has all the knowledge of insurance law as agents and adjusters do. They can assess every detail of your claim and policy to determine if there’s an argument for coverage. From there, they can challenge the insurance company to provide what they promised through negotiation and sometimes litigation.
Your insurance attorney will take over all communication with agents and adjusters. They will question their denial or disputes against your claim and seek the answers you need. You can also trust your attorney to not fall for any coercion tactics used by insurance companies. Since they have in-depth knowledge on insurance laws agents and adjusters will be unable to coerce your attorney no matter how much confusing verbiage used.
If negotiations aren’t working out, your attorney can then take the next step and file a lawsuit against your insurer. Your attorney can gather evidence, conduct a separate third-party investigation, and bring in experts to support your claim. If your attorney sways the court, then you’ll be given full compensation for your claim plus damages.
Florida Homeowners Insurance Average in Hernando County, FL
|Hernando County Home Values||% of Total||Avg. Rate|
|Less than $50,000||11.0%||$218|
|$50,000 to $59,999||4.0%||$459|
|$60,000 to $69,999||4.0%||$574|
|$70,000 to $79,999||5.0%||$665|
|$80,000 to $89,999||5.0%||$757|
|$90,000 to $99,999||4.0%||$838|
|$100,000 to $124,999||12.0%||$975|
|$125,000 to $149,999||11.0%||$1228|
|$150,000 to $174,999||11.0%||$1446|
|$175,000 to $199,999||6.0%||$1676|
|$200,000 to $249,999||9.0%||$2009|
|$250,000 to $299,999||6.0%||$2456|
|$300,000 to $399,999||4.0%||$3122|
Insurance and Court Resources in Hernando County, FL
Fifth Judicial Circuit Court | Hernando County Courthouse – Visit the official website for the Fifth Judicial Circuit Court to learn more about how they have jurisdiction over Hernando County and other Florida regions. Access the site to look into their various programs, contact information for the Hernando County courthouse, download important forms, and more.
Hernando County Clerk | Doug Chorvat Jr. – Visit the official website for the Hernando County Clerk and Comptroller to learn more about their services for residents. Access the site to file something electronically, download important forms and documents, look up court records, and other valuable information.
Florida’s Insurance Laws – Visit the official website for the Florida Statutes to read the statutes regarding insurance. Access the site to learn insurance regulations, the rights of policyholders, penalties for breaching contract, and how insurance companies can be held liable.
Office of Insurance Regulation in FL – Visit the official website for the Office of Insurance Regulation in Florida to learn more about how they hold insurance companies accountable who are violating insurance laws. Access the site to find consumer resources, look at industry reports, request a public record, and other valuable information.
Insurance Information Institute | III – Visit the official website for the Insurance Information Institute (III), the number one online source for insurance information in the nation. Access the site to read their research and data regarding insurance, articles about the nuances and specifics of insurance disputes, and resources for consumers.
Other Civil Litigation Matters We Handle
- Deceptive Trade Practices
- Intentional Infliction of Emotional Distress
- Construction Defect Litigation
- Unfair Business Practices
- UCC – Sales of Goods
- General Business Disputes
- Contractual Disputes
- Wage Garnishment
- Invasion of Property
- Debt Collection
- Real Property Disputes
- Small Business Litigation
- Personal Injury
- Levying Property
Hernando County Cities We Serve
- Spring Hill
- Timber Pines
- Spring Lake
- South Brooksville
- Pine Island
- North Brooksville
- High Point
- Garden Grove
- Hernando Beach
- Weeki Wachee Gardens
- North Weeki Wachee
- Ridge Manor
- Lake Lindsay
Insurance Dispute Attorney in Hernando County, FL
It can be incredibly difficult to deal with property damage, you shouldn’t have to handle insurance disputes on top of all that. If you’re having issues filing a claim with your insurer, call Germain Law Group, P.A.. Michael B. Germain has spent over a decade negotiating with insurance companies. His in-depth knowledge of insurance law could be your greatest asset in obtaining compensation.
Call Germain Law Group, P.A. today at (813) 835-8888 to set up your first consultation free of charge. Germain Law Group, P.A. accepts clients throughout the greater Hernando County area and surrounding nearby counites including Citrus County, Sumter County, Pasco County, Hillsborough County, Sarasota County, Manatee County, and DeSoto County.