Indian River County

Indian River County can be found along the Treasure Coast region in Florida. Compared to other counties the region has a small population of around 140,000 people. The county is most known for its beautiful county seat Vero Beach. Unfortunately, the beautiful beaches the county boasts come at a cost.

Being so close to the Atlantic Ocean, Indian River County residents are a huge target for hurricanes and other serious weather-related disasters. Tornadoes, sink holes, and floods are a regular annual occurrence in Florida, even Indian River County. That’s why having coverage during these times isn’t just important but vital. However, what do you when your insurance company refuses to provide full and fair coverage?

If you’re having issues filing a claim with your insurance company, we urge you to speak with an experienced insurance law attorney today. They can assess your claim and determine if there exists a strong argument for coverage.

Insurance Dispute Attorney in Vero Beach, FL

Filing an insurance claim should be a harmless process and, in the end, you should be compensated what you were initially promised. However, it doesn’t always work out this way. Insurance companies may use a variety of bad faith practices in an effort to dispute or deny your claim. If you believe this is happening to you, call Germain Law Group, P.A..

Michael B. Germain of Germain Law Group, P.A. has spent many years representing insurance companies. But now, he’s dedicated his whole practice to the policyholder. With his extensive knowledge and insight into insurance companies, he could be a great asset for your case. Call Germain Law Group, P.A. today at (813) 835-8888 to set up your first consultation in the Indian River County area.

Germain Law Group, P.A. accepts clients throughout the Indian River County area including Fellsmere, Sebastian, Vero Beach, Orchid, Indian River Shores, Gifford, Roseland, Wabasso, Wabasso Beach, Windsor, Winter Beach, Roseland, and Gifford.

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Can You Sue Your Insurance Company?

To quickly answer your question, yes you can sue your insurance company. Insurance companies are like any business and can be held liable if they are in breach of contract. They must also follow the rules set forth by the Insurance Code and Department of Insurance Regulation if they want to remain compliant and avoid liabilities. When an insurance company fails to follow these rules or their contract guidelines, then they can be sued as a result.

So, an insurance company cannot file and process your claim on their own agenda. They must follow an established process when analyzing a claim, conducting an investigation, determining a settlement amount, and sending said settlement. Certain actions such as dodging phone calls, giving misleading information about the claim or policy, or not conducting an investigation are considered to deemed as bad faith practices by the Department of Insurance Regulation.

Insurance companies who engage in bad faith practices are not upholding the rules set forth by the Department or the Insurance Code. Because of this, companies who commit these actions can be held accountable in court. The best way to determine if you should sue your insurance company is to hire an experienced insurance law attorney.

An insurance lawyer has a thorough understanding of insurance law and can spot bad faith practices a mile away. They can assess your claim to determine if there exists an argument for coverage. If there does, your attorney can then negotiate with your insurance company and provide evidence as to why the claim is within your policy provisions.

If this doesn’t work, your attorney can take the next step and file a lawsuit against them for breaching their contract and engaging in bad faith practices. At the lawsuit your attorney will present even more evidence to support the claim and dishonest behavior by the insurance company. If the lawsuit is successful, you’ll be given a monetary award as well as full compensation from your claim.

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Homeowners Insurance Estimate Florida in Indian River County

Value of Homes in Indian River County % of Total Avg. Rate
Less than $50,000 9.0% $175
$50,000 to $59,999 3.0% $362
$60,000 to $69,999 3.0% $456
$70,000 to $79,999 3.0% $526
$80,000 to $89,999 6.0% $596
$90,000 to $99,999 4.0% $666
$100,000 to $124,999 10.0% $772
$125,000 to $149,999 8.0% $971
$150,000 to $174,999 12.0% $1146
$175,000 to $199,999 7.0% $1322
$200,000 to $249,999 11.0% $1591
$250,000 to $299,999 8.0% $1942
$300,000 to $399,999 8.0% $2468

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Indian River County, FL Insurance Resources

Nineteenth Judicial Circuit Court – Visit the official website for the Nineteenth Judicial Circuit to learn more about their court services and how they have jurisdiction in Indian River County. Access the site to learn more about their available court programs, download important forms you may need, the rules of the court, more about the judges, and contact information.

Indian River County Clerk & Comptroller – Visit the official website for the Indian River County Clerk, Jeffrey R. Smith, to learn more about their services. Access the site to read more about their fraud hotline, how to pay a court payment online, look up court records, and more.

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 as well as how they enforce violations with both policyholders and insurance companies. Access the site to rate filings, compare rates, search for different insurance companies, look at industry reports, and look at consumer resources available to you.

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Other Civil Matters We Handle

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

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Indian River County Cities We Serve

  • Vero Beach
  • Fellsmere
  • Sebastian
  • Indian River Shores
  • Orchid
  • Roseland
  • South Beach
  • Vero Beach South
  • Wabasso Beach
  • Wabasso
  • Windsor
  • Winter Beach
  • Florida Ridge

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Indian River County Insurance Lawyer in FL

If you have been experiencing issues filing and processing your claim with your insurance company, find legal counsel with Germain Law Group, P.A.. Michael B. Germain is an experienced Indian River County property damage claim attorney who can assist you. He has over 10 years of knowledge from representing insurance companies and can use that valuable knowledge for your case.

Call Germain Law Group, P.A. at (813) 835-8888 to set up your first consultation free. Germain Law Group, P.A. accepts clients throughout the greater Indian River County area including Brevard County, Osceola County, Pasco County, Pinellas County, Hillsborough County, and Citrus County.

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