Seminole County
Seminole County is centrally located in Florida with a population of around 422,000 people. The current county seat is Sanford, and the area is part of the Orlando-Kissimmee-Sanford metropolitan area. Because the county is landlocked, many are under the assumption serious storms and natural disasters are not common in Seminole County.
However, this couldn’t be further from the truth.Seminole County is a target for all types of natural disasters that could result in property damage including tornadoes, hurricanes, tropical storms, floods, serious thunderstorms, hailstorms, sink holes, and many others. These natural events could cause serious damage to a person’s home or business, and in some cases may even demolish the property altogether. That is why insurance is so vital to Seminole County residents with homes or businesses.
Unfortunately, some insurers will do anything to minimize payout for your claim despite the fact it’s covered. If you are having issues filing your property damage claim, then it’s within your best interest to consult with a Seminole County property insurance lawyer. They can assess the merits of your claim and determine if an argument for coverage exists.
Property Insurance Lawyer in Seminole County, FL
If your claim has been denied or disputed without a justifiable reason, then consult Germain Law Group, P.A.. Michael B. Germain of Germain Law Group, P.A. advocates the rights of policyholders throughout Seminole County and other adjacent regions in the state of Florida. He can apply his ten years of experience to your case and determine if you are entitled to compensation for your claim.
Call Germain Law Group, P.A. today to set up your first consultation with Michael B. Germain at (813) 835-8888. Germain Law Group, P.A. accepts clients throughout Seminole County and Sanford including Oviedo, Winter Springs, Lake Mary, Longwood, Casselberry, Altamonte Springs, Forest City, Fern Park, Midway, Geneva, Chuluota, and Heathrow.
Information Center:
- Sue Insurance Company for Bad Faith
- Seminole County Insurance Resources
- Seminole County Average Homeowner Insurance Rate
- Other Civil Matters We Handle
- Seminole County Cities We Serve
- Additional Resources
Sue Insurance Company for Bad Faith
Insurance companies wield quite a bit of power over their policyholders. Insurance is a complicated industry and to understand the ins and outs of it you need to be in the profession for years. That means there’s a considerable gap of knowledge between the policyholder and the insurance company. This gap can be used against the policyholder by the insurance company to minimize their coverage or deny it entirely.
In an effort to avoid this, the state of Florida has implemented laws holding insurance companies accountable if they don’t investigate, process, and settle their claims in good faith. Insurance companies are considered to be engaging in bad faith practices if they fail to fulfill their legal or contractual obligations by being deceptive, dishonest, or unfair. If you believe your insurance company may be engaging in bad faith practices, you are legally permitted to file a lawsuit against them for damages.
Under the Florida Unfair Insurance Trade Practices act, the following are a list of bad faith actions that an insurance company could be held liable for.
- Misrepresent facts about the policy to the policyholder
- Ask for unnecessary paperwork or information without a reason
- Denying or disputing a claim without a justifiable reason in writing
- Failing to investigate a claim in a timely manner or denying an investigation
- Attempting to settle based on an application that was altered without consent of the policyholder
- Failing to maintain communication with the policyholder
Insurance companies who engage in any of the above bad faith practices can be held accountable in court for damages. So, if you’re successful with your lawsuit you’ll be compensated for your claim and receive a monetary award for any damages you’ve experienced. Often these settlements will include damages for attorney’s fees as well.
Seminole County Insurance Resources
Eighteenth Judicial Circuit Court – Visit the official website for the Eighteenth Judicial Circuit Court to learn more about their services for Seminole County residents. Access the site to learn more about their court programs, citizen resources, more about the justice on the court, rules of civil court, and other important information.
Seminole County Clerk | Grant Maloy – Visit the official website for the clerk of Seminole Count Grant Maloy. Access the site to pay a court payment online, search up court records, check out their resources, and find contact information for every court in Seminole County, FL.
Florida Insurance Code – Visit the official website for the Online Sunshine, a collection of current Florida’s legislation and laws. Access the stie to learn what civil remedies may be helpful to you, your rights as a policyholder, examples of bad faith practices, and more.
Office of Insurance Regulation in Florida – Visit the official website for the Office of Insurance Regulation to learn more about their responsibilities to both insurance companies and policyholders in the state of Florida. Access the site to search up an insurance company, read their industry reports, use their consumer resources, and request a public record.
NAIC | National Association for Insurance Commissioners – Visit the official website for the National Association for Insurance Commissioners in the state of Florida. This organization is made up of state officials and staff who regulate the conduct of insurance companies around the nation. Access the site to file a complaint against your insurance company, use their online fraud reporting system, find advice for insurance related disputes, and more.
Average Homeowner’s Insurance Rate in Seminole County, FL
| Home Value in Seminole County, FL | % of Total | Average Rate | ||
| Less than $50,000 | 5.0% | $143 | ||
| $50,000 to $59,999 | 1.0% | $298 | ||
| $60,000 to $69,999 | 1.0% | $370 | ||
| $70,000 to $79,999 | 2.0% | $429 | ||
| $80,000 to $89,999 | 3.0% | $489 | ||
| $90,000 to $99,999 | 3.0% | $549 | ||
| $100,000 to $124,999 | 8.0% | $632 | ||
| $125,000 to $149,999 | 8.0% | $799 | ||
| $150,000 to $174,999 | 11.0% | $943 | ||
| $175,000 to $199,999 | 8,760 | 9.0% | $1086 | |
| $200,000 to $249,999 | 16,288 | 17.0% | $1313 | |
| $250,000 to $299,999 | 12,251 | 13.0% | $1611 | |
| $300,000 to $399,999 | 13,019 | 14.0% | $2041 | |
Other Civil Matters We Handle
- General Business Disputes
- Unfair Business Practices
- Personal Injury
- Wage Garnishment
- Construction Defect Litigation
- Contractual Disputes
- Debt Collection
- Invasion of Property
- Intentional Infliction of Emotional Distress
- Deceptive Trade Practices
- Real Property Disputes
- Fraudulent Inducement
- Small Business Litigation
- UCC – Sales of Goods
- Levying Property
Seminole County Cities We Serve
- Altamonte Springs
- Lake Mary
- Longwood
- Winter Springs
- Sanford
- Oviedo
- Casselberry
- Black Hammock
- Fern Park
- Forest City
- Geneva
- Heathrow
- Midway
- Wekiwa Springs
Sanford Property Insurance Attorney, FL
Insurance matters are complicated, and it can be hard to fight for the compensation you deserve if you don’t have a thorough understanding of insurance law. That is why we highly encourage you to consult with an insurance lawyer on these matters like Michael Germain. With over ten years of experience, Michael B. Germain can use his knowledge to determine if your claim is covered under your policy.
Call Germain Law Group, P.A. today at (813) 835-8888 to set up your first consultation. Germain Law Group, P.A. accepts clients throughout the greater Seminole County area including Brevard County, Volusia County, Orange County, and Lake County.