The fifth most populous county in Florida is Orange County with approximately 1,100,000 people according to the recent 2020 census. The county is also home to the bustling city of Orlando and its various theme parks and nightlife. The large population and number of businesses within the county mean that damage is high if a natural disaster occurs in the area. As all parts of Florida, Orange County is susceptible to various natural events including hurricanes, sink holes, tornadoes, and wildfires.
Since Orange County is so vulnerable to natural disasters, residents heavily rely on their insurance companies for coverage. Unfortunately, some insurers will do everything in their power to try and profit off their policyholders by minimizing coverage. That is why it’s highly recommended you secure legal representation if you are about to file a claim or have faced issues with your insurance company. They can examine your claim, policy, and determine whether your insurer owes you coverage. If they do, then your insurance claims attorney can negotiate with adjusters to ensure you receive the full coverage you deserve.
Insurance Claims Attorney in Orange County, Florida
We expect our insurance companies to have our back if we’re paying our premiums on time. However, some insurers will adopt bad faith practices so they can avoid providing full compensation. They may avoid phone calls, ask for unnecessary paperwork, deny a claim without a justification, and other bad faith practices. To hold your insurance company responsible, we urge you contact the experienced insurance law attorney Michael B. Germain.
Orange County insurance claims attorney Michael B. Germain understands the intricacies of civil law and has practiced for over 10 years. He has assisted hundreds of policyholders obtain the compensation they were promised through his extensive negotiation and litigation skills. Set up your first consultation with Germain Law Group, P.A. today by calling their office at (813) 835-8888.
Germain Law Group, P.A. accepts clients throughout the greater Orlando metropolitan and Orlando area including Winter Garden, Apopka, Winter Park, Maitland, Windermere, Ocoee, Oakland, and Pine Hills.
- What Does an Insurance Coverage Attorney Do?
- What is a Bad Faith Insurance Claim?
- Civil Litigation Matters We Handle
- Orange County Cities We Serve
- Court and Insurance Resources in Orange County, FL
What Does an Insurance Coverage Attorney Do?
Insurance claims attorneys handle all forms of tort litigations for policyholders. The ultimate goal of an insurance attorney is to utilize whatever negotiation or litigation skills to ensure their client receives full and fair compensation. Normally, a person will hire an insurance attorney after their insurer has disputed or denied their covered claim. However, some policyholders will hire an insurance attorney before they’ve filed a claim altogether. This is so the insurance company can examine your policy and determine whether you’re eligible for coverage. They can even write the claim and include proof of damage/loss for you.
Your insurance attorney can also take over all direct communications with your insurance company. That means no more long phone calls with your broker or adjuster with verbiage you’re unfamiliar with. Instead, your insurance claims attorney will negotiate with your insurer for you and by doing so determine if they’re misrepresenting policy provisions or your rights as a policyholder. Insurance brokers and agents know they can’t be dishonest with an attorney with extensive experience in insurance law. Because of this, insurance companies are less likely to attempt to be dishonest or deceptive when on the phone with an attorney.
If your insurer isn’t receptive to negotiations, then your attorney can assist you with filing a lawsuit against them. They can draft up the demand letter and then appear at any court dates you’re scheduled for. From there, your attorney can litigate in court why the claim was covered under your policy and sway the court’s opinion in your favor. If the lawsuit is successful, then the court will grant you a monetary award, which normally will include attorney’s fees.
What is a Bad Faith Insurance Claim?
An insurance company acts in bad faith when they are not attempting to resolve a claim in a fair and equitable manner. Insurance companies who use dishonest or deceptive actions to minimize coverage are liable for damages under section 624.155 of the Florida Statutes. An insurance company can execute these bad faith practices in various ways including:
- Misrepresent important facts related to the claim or the policy
- Giving low-ball offers that are significantly less than what the claim is worth
- Denying a claim without a justifiable reason or investigation
- Failure to send a check for the settlement in a timely manner
- Not communicating with the policyholder in a prompt and timely manner
- Not adopting or implementing standards for proper investigations of claims
If your insurance company has done any of the above or other bad faith practices, it’s imperative you consult with an experienced insurance claims attorney. An insurance attorney can negotiate with your insurance directly, so you aren’t deceived by adjusters or agents acting in bad faith. Additionally, your attorney can file a lawsuit against your insurer if they refuse to negotiate a settlement.
Civil Litigation Matters We Handle
On top of insurance claims negotiations and litigation, Michael B. Germain handles all forms of civil litigation. The following are some civil litigations cases we handle at Germain Law Group, P.A..
- Intentional Infliction of Emotional Distress
- UCC – Sales of Goods
- Personal Injury
- Deceptive Trade Practices
- General Business Disputes
- Unfair Business Practices
- Contractual Disputes
- Wage Garnishment
- Levying Property
- Small Business Litigation
- Fraudulent Inducement
- Debt Collection
- Real Property Disputes
- Construction Defect Litigation
- Invasion of Property
Orange County Cities We Serve
- Bay Lake
- Belle Isle
- Winter Garden
- Winter Park
- Meadow Woods
- Paradise Heights
- Pine Castle
- Rio Pinar
- Holden Heights
- Lake Butler
Court and Insurance Resources in Orange County, FL
Ninth Judicial Circuit Court of Florida – Visit the official website for the Ninth Judicial Circuit Court, which has jurisdiction in both Orange County and Osceola County. Access the site to learn more about the judges on the Ninth Judicial Circuit Court, courthouse locations, contact information for the court, what civil cases are next on the docket, their COVID-19 restrictions, and other various relevant information.
Orange County Clerk of Court – Visit the official website for the Orange County Clerk, Tiffany Moore Russell. The county clerk acts as a registrar and historian for both criminal and civil cases in Orange County. Access the site to learn how to submit a court payment, procedures for civil court, how to use the e-filing portal, and resources from the self-help center.
Florida’s Insurance Code – Visit the official website for Online Sunshine, a collection of Florida’s laws and legislation. Access the site to learn about civil remedies under the code and which state departments have jurisdiction over which case.
Orlando Insurance Attorney in Florida
The point of insurance is to make the policyholder whole after a loss, not to cause more stress and heartache. If you’re having issues with your insurance company, it’s within your best interest to contact Germain Law Group, P.A.. Michael B. Germain has over 10 years of experience helping policyholder pursue the compensation they were promised from their insurer.
Set up your first consultation with an Orlando insurance attorney at Germain Law Group, P.A. today. Michael B. Germain will sit with you, hear your case, and develop a formidable defense plan right then and there. Schedule your first no obligations appointment by calling Germain Law Group, P.A. at (813) 835-8888. Germain Law Group, P.A. accepts clients throughout the greater Orange County area and surrounding counties including Brevard County, Bay County, Hillsborough County, Pinellas County, Pasco County and Polk County.