FREE CONSULTATIONS (813) 835-8888

Jefferson County

Jefferson County can be found in the Big Bend region of northern Florida. It’s a smaller community of about 15,000 people and is near Leon County and Wakulla County, Florida. Residents in Jefferson County have experienced their fair share of disaster as every year hurricanes, tropical storms, tornadoes, wildfires, and other natural events damage or destroy homes and businesses. Because of this, residents of Jefferson County are keen to buy a property insurance policy to protect their assets.

But what happens if your viable claim is disputed or denied by your property insurance company? When this happens, it’s important you consult with an experienced insurance lawyer. An attorney can assess the provisions in your policy and then determine if coverage is possible. They can then negotiate with insurers on your behalf and even litigate if necessary. If you have been experiencing issues with your insurer, don’t wait another moment to find legal counsel.

Insurance Lawyer in Monticello, Florida

You should never take chances when it comes to compensation you deserve. Instead of playing “run-around” with your insurance company, call Germain Law Group, P.A.. Michael B. Germain has over a decade’s worth of experience he can apply for your claim. His focus on insurance law has given him valuable and extensive insight into how insurance companies work and could help you.

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 Jefferson County area including Monticello, Aucilla, Lloyd, and Wacissa.

Information Center:


Back to top

What Does Bad Faith Mean in Insurance?

Insurance companies hold quite a bit of power. This is because there is a significant lack of understanding on the policyholder’s part about the insurance industry. There is so much involved in insurance that most policyholders have a limited knowledge of their own policies. Because of this, the state of Florida and the nation of the U.S. has implemented laws and regulations insurance companies must follow to ensure they aren’t abusing their consumers.

Due to the amount of power insurance companies have, they are legally bound to act in good faith throughout the claims process. That includes investigating, processing, and settling any claim sent their way. Insurance companies act in bad faith if they fail to meet those legal and contractual obligations by intentionally engaging in unfair and dishonest practices.

The following are some examples of bad faith actions by insurance companies.

  • Misrepresenting facts in the claim or the policy to the policyholder
  • Failing to return calls, emails, or communicate in a timely manner
  • Attempt to settle or pay a claim on an altered application and the policyholder is unaware anything has been changed
  • Failing to offer a reasonable explanation in writing for denying a claim
  • Offering low-ball settlements way below what the claim is worth

Insurance companies who engage in bad faith practices could be held liable for their actions. So, if your insurance company is engaging in these or other bad faith practices, we suggest you consult an attorney. You may be able to file a lawsuit against your insurer. If the lawsuit is successful, you’ll receive the compensation you were owed plus damages.


Back to top

Insurance Resources in Jefferson County, FL

Second Judicial Circuit Court | Jefferson County Courthouse – Visit the official website for the Second Judicial Circuit to learn more about their services. Access the site to find directions to the Jefferson County courthouse, who the circuit judges are, calendars for the court, answers to your frequently asked questions, and more.

Jefferson County Clerk – Visit the official website for the Jefferson County clerk, Bobbie Holsclaw, and use their online services. Access the site to read a message from the clerk, download publications and important forms, pay a court payment online, 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 how they regulate insurance companies, ensure they are compliant, and enforce rules from the insurance code. Access the site to locate forms, rate filings, compare rates, find more resources, search for insurance companies, and look at industry reports currently and in the past.


Back to top

Average Homeowner’s Insurance Rate in Jefferson County, FL

Value of Home in Jefferson County, FL% of TotalAvg Rate
Less than $50,0005.0%$79
$50,000 to $59,9994.0%$173
$60,000 to $69,9991.0%$221
$70,000 to $79,9991.0%$252
$80,000 to $89,9993.0%$284
$90,000 to $99,9993.0%$323
$100,000 to $124,9996.0%$371
$125,000 to $149,9997.0%$466
$150,000 to $174,9996.0%$553
$175,000 to $199,9997.0%$639
$200,000 to $249,99917.0%$766
$250,000 to $299,99914.0%$940
$300,000 to $399,99920.0%$1200

Back to top

Other Civil Matters We Handle

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

Back to top

Jefferson County Cities We Serve

  • Monticello
  • Lamont
  • Waukeenah
  • Wacissa
  • Lloyd
  • Aucilla

Back to top

Jefferson County Insurance Lawyer in FL

It’s already stressful enough to handle property damage, but to juggle with insurance matters on top of it all can be overwhelming. The vernacular used by agents and adjusters is confusing and the provisions of your policy may be running you in circles. If you’re trying to file a claim and keep getting hit with roadblocks, call Germain Law Group, P.A..

Michael B. Germain has over 10 years of experience he can utilize for you. Call Germain Law Group, P.A. at (813) 835-8888 to set up your first consultation. Germain Law Group, P.A. accepts clients in Jefferson County and other adjacent counties including Wakulla County, Taylor County, Hillsborough County, Pinellas County, and many more regions throughout the state of Florida.


Back to top