FREE CONSULTATIONS (813) 835-8888

Lake County

Located just a quick 45 minutes away from the Orlando area, Lake County sits in the central region of Florida. The county boasts a population of around 300,00 with most of that attributed to their largest city Clermont. Many live in the county to attend its prestigious colleges and enjoy its scenic views. Despite all these positives, not everything about living in Lake County is sunshine and roses.

Lake County, like all regions in Florida, is susceptible to possible natural disasters including tornadoes, hurricanes, tropical storms, sink holes, and other types of events. That’s why Lake County residents plan ahead and have property insurance in case their home or business is damaged or destroyed. However, insurance companies are not always practicing in good faith. Insurers will sometimes use dishonest and deceptive tactics in an effort to have you accept a low-ball offer or give up on the claim altogether.

If you’re having issues with your insurer when filing a property damage claim, we urge you to seek out legal counsel as soon as possible.

Insurance Dispute Lawyer in Clermont, Florida

You may be tempted to try and negotiate with your insurer yourself to save few extra dollars. Although this might seem like a good idea at first, you’ll likely come to regret it. Having an attorney on your side like Michael B. Germain will safeguard you from any bad faith practices insurance companies may try. Plus, if there’s evidence of bad faith by your insurer, your attorney can file a lawsuit against them for being in breach of contract.

If you’re in need of an insurance attorney call Germain Law Group, P.A.. Michael B. Germain of Germain Law Group, P.A. has over 10 years of experience he can apply to your claim. He can analyze the merit of your claim and determine if an argument for coverage exists. To set up your first consultation with Germain Law Group, P.A., call our offices at (813) 835-8888.

Germain Law Group, P.A. accepts clients throughout the greater Lake County area including Clermont, Fruitland Park, Mascotte, Tavares, Ulmatilla, Eustis, Leesburg, Mount Dora, Minneola, and Groveland.

Information Center:


Back to top

Insurance Company Not Paying Claim

Insurance is imperative in society as natural disasters and other perils at any time could substantially damage or destroy your property. Insurance companies give their policyholders the coverage they need to get back on their feet again. That’s why we trust insurance companies to not only perform their services, but to do so with integrity and honesty.

However, this isn’t always the case. Some insurance companies may dispute or deny your claim despite the fact it’s covered under the policy’s provisions. Companies who do this are attempting to make money off your policy by minimizing payout for your claim. Insurers who cut corners and take advantage of their policyholders this way are engaging in what insurance law calls bad faith practices.

All insurers must follow state and federal standards when they are investigating, processing, and paying out a claim. Insurance companies who intentionally violate these rules are engaging in bad faith practices. They are also in breach of contract with the policyholder. Insurance companies who engage in these types of practices can be held liable for damages.

Refusing to pay a claim despite the fact it’s covered within the policy is considered a bad faith practice. If your insurer is doing this or disputing your claim needlessly, then you can file a lawsuit against them. A successful lawsuit will result in not only compensation for your claim, but also a monetary award for all the losses you’ve sustained because of your insurer.

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

  • Providing only low-ball offers that are less than what the claim is worth
  • Not sending a settlement check or failing to send it in a timely manner
  • Misrepresenting facts related to a policy or claim
  • Ask for unnecessary paperwork without any reason
  • Dodge phone calls and fail at communicating in a prompt manner
  • Conducting an investigation that doesn’t follow proper procedures

Back to top

Insurance Resources in Lake County, Florida

Fifth Judicial Circuit Court | Lake County Courthouse – Visit the official website for the Fifth Judicial Circuit, which has jurisdiction over civil matters in Lake County. Access the site to learn more about the rules of the civil court, find directions to the Lake County courthouse, download important forms, and see the programs they offer for those who need it.

Lake County Clerk – Visit the official website for the Lake County clerk, Gary J. Cooney, to learn more about their services. Access the site to find information about the civil courts, pay a court payment online, look up court records, and peruse their helpful resources.

Florida Insurance Code – Visit the official website for the Florida Insurance Code to read more about laws in Florida regarding insurance. Access the site to learn more about how insurance companies are penalized, limits of risk for insurance companies, reinsurance policies and more.


Back to top

What is the Cost of Homeowners Insurance in Lake County, FL?

Home Value in Lake County, FLPercentageAvg. Rate
Less than $50,00013.0%$186
$50,000 to $59,9993.0%$384
$60,000 to $69,9992.0%$477
$70,000 to $79,9993.0%$558
$80,000 to $89,9994.0%$628
$90,000 to $99,9993.0%$710
$100,000 to $124,99911.0%$814
$125,000 to $149,9999.0%$1024
$150,000 to $174,99913.0%$1210
$175,000 to $199,9998.0%$1396
$200,000 to $249,99911.0%$1687
$250,000 to $299,9998.0%$2060
$300,000 to $399,9997.0%$2619

Back to top

Other Civil Matters We Handle

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

Back to top

Lake County Cities We Serve

  • Clermont
  • Tavares
  • Umatilla
  • Eustis
  • Groveland
  • Fruitland Park
  • Mascotte
  • Leesburg
  • Mount Dora
  • Minneola
  • Astatula
  • Lady Lake
  • Montverde
  • Fort Mason
  • Orange Bend
  • Grand Island
  • Lanier

Back to top

Insurance Claims Lawyer in Lake County, FL

Are you having issues filing a claim? Consult with Germain Law Group, P.A.. Michael B. Germain has over a decade of experience he can utilize for you. He has assisted with thousands of successful case filings thanks to his extensive experience and skills. With his knowledge, you can rest assured your case is in the best hands.

Call Germain Law Group, P.A. to set up your first consultation with Michael Germain today. Germain Law Group, P.A. accepts clients throughout the greater Lake County area and surrounding counties including Orange County, Osceola County, Sumter County, Polk County, Seminole County, and Volusia County


Back to top