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Holmes County

Holmes County can be found in the panhandle on the northwestern region of Florida. It’s a smaller county with a population of around 20,000 and its current county seat is Bonifay. While the county doesn’t border any large body of water, the area still experiences its fair share of natural disasters such as tornadoes or hurricanes. In fact, property damage is so common in the Holmes County area most residents have insurance policies ready when they purchase a home or property for their business.

However, what do you do when your insurance company refuses to provide full coverage for your claim? In these instances, it’s best to consult with an experienced insurance claims attorney in Holmes County as soon as possible. A skilled insurance attorney can assess your claim and then determine if an argument for coverage exists. From there, your attorney can take over all communications with your insurer and negotiate for what you deserve.

Insurance Dispute Attorney in Bonifay, Florida

Property damage, no matter how much you prepare for it, can be messy to resolve. Repairs can take different types of contractors, experts, and can cost a fortune. That is why if your insurance company denied you coverage it’s important you hire an experienced insurance law attorney like Michael B. Germain of Germain Law Group, P.A..

Michael B. Germain has over 10 years of experience he can apply for your case. He can analyze your claim and policy to see if coverage is applicable in your situation. If so, he can put all his resources together to find supporting evidence for your claim and negotiate on your behalf. 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 Holmes County area including Bonifay, Noma, Ponce De Leon, Westville, and Esto.

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When Should I Hire a Lawyer for an Insurance Claim?

You might be deliberating whether or not it’s “worth it” to hire an attorney when filing a claim with your insurer. While it might not seem necessary, it’s highly recommended you hire an attorney anyway to save you from future grief. An experienced insurance law attorney can inspect your policy to ensure you’re covered, write the claim for you, and collect supporting evidence for said claim. Having an attorney complete these tasks could save you a mountain of time and stress.

The reason for this? If your insurance lawyer files your claim for you, there’s less of a chance it will be denied. Your attorney knows what evidence is required to support a type of claim. They can then take over all communications with your insurance company while they are conducting an investigation. After the investigation is done, your attorney can then comb through the information to ensure no facts are misrepresented and the investigation was done properly.

You might be thinking, well I can do all of that myself. While that is true, it’s important to understand that insurance companies aren’t always ethical. Some insurance companies will engage in dishonest or unfair practices, also known as bad faith practices, to avoid paying full and fair compensation. Some of these bad faith actions include, but are not limited to:

  • Low-ball offers well below what the claim is worth
  • Misrepresenting facts about the policy or investigation
  • Failing to send a settlement check in time
  • Denying claims without an investigation
  • Failing to properly communicate in a timely manner

It can be incredibly hard to identify bad faith practices if you don’t have an in-depth knowledge of insurance law. Your insurance agent or adjuster may use confusing verbiage to coerce you into accepting a lower offer or a denied claim. However, if you have an attorney that won’t happen. Your attorney will act as your safeguard and ensure you aren’t duped, and that the insurance company processes your claim in a fair and equitable manner.

If your insurer is still denying coverage, your attorney can then a file a suit for you. If the situation heads to court, then your attorney can present an argument as to why coverage should be granted. A successful lawsuit will mean you will be granted compensation for your claim as well as a monetary award for any damages you experienced.


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Homeowner Insurance Rates in Holmes County, Florida

Value of Homes in Holmes County, FLPercentage of TotalAvg. Rate
Less than $50,00010.0%$115
$50,000 to $59,9991.0%$244
$60,000 to $69,9992.0%$302
$70,000 to $79,9994.0%$352
$80,000 to $89,9994.0%$396
$90,000 to $99,9994.0%$446
$100,000 to $124,99912.0%$518
$125,000 to $149,99912.0%$648
$150,000 to $174,99911.0%$763
$175,000 to $199,9997.0%$885
$200,000 to $249,99913.0%$1058
$250,000 to $299,9998.0%$1296
$300,000 to $399,9995.0%$1648

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Insurance Resources in Holmes County, FL

Fourteenth Judicial Circuit | Holmes County Courthouse – Visit the official website for the Fourteenth Judicial Circuit Court to learn more about how they have jurisdiction over Holmes County. Access the site to learn more about the Holmes County courthouse, download important forms you might need, look at the court calendar, and answers to your frequently asked questions.

Holmes County Clerk & Comptroller – Visit the official website for the Holmes County Florida Clerk, Sam Bailey, and learn more about their services for residents. Access the site to search court records, pay a court payment online, verify documents or certificates, and other valuable information you may need.

Florida Laws on Insurance – Visit the official website for the Florida Insurance Code to learn more about their laws and regulations regarding insurers. Access the site to learn standards for claim investigations, requirements for insurance adjusters, policyholder rights, and more.

Florida Department of Insurance Regulation – Visit the official website for the Florida Office of Insurance Regulation to learn more about their responsibilities regarding insurance agencies and how they penalize bad faith insurers. Access the site to learn how you can compare rates, search for insurance companies, find consumer resources, and read industry reports.

Florida Insurance Consumer Advocate – Visit the official website for the Insurance Consumer Advocate in Florida, which is a person who acts as an independent voice for consumers in Florida. Tasha Carter is the current ICA and access her site and learn her plans to educate consumers about insurance matters, assist policyholders with insurance disputes, and essentially serve as a voice for the common Floridian.


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Other Civil Matters We Handle

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

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Holmes County Cities We Serve

  • Bonifay
  • Noma
  • Westville
  • Esto
  • Ponce De Leon
  • Bethlehem
  • Graceville
  • Pittman
  • Prosperity
  • Cerrogordo
  • Gritney

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Holmes County Insurance Attorney in Florida

If you are experiencing issues filing a claim with your insurance company, it’s imperative you call Germain Law Group, P.A.. Michael B. Germain is an experienced insurance law attorney with over 10 years of experience. He can counsel you on the merit of your insurance claim and then do whatever possible to ensure you receive the compensation you were promised.

Set up your first consultation with Germain Law Group, P.A. by calling our number at (813) 835-8888. Germain Law Group, P.A. accepts clients in Holmes County and surrounding counties including Walton County, Washington County, Jackson County, Hillsborough County, Paso County, Pinellas County, and many more.


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