Practice Areas
- Auto, Truck & Motor Vehicle Accidents
- Personal Injury
- Wrongful Death
- Nursing Home Neglect / Abuse
- Product Liability
- Insurance Disputes
- Hurricane Insurance Claim
- Sinkhole Claims
- Commercial Litigation
- Defective Medical Devices
- Asbestos/Mesothelioma
Blog 
Insurance Disputes
- Do You Trust Your Insurance Company?
- Florida Bad Faith Insurance
- State Farm Leaving Homeowners but Keeping Profitable Car Insuranced
- New Property Insurers Come to Florida. Good Deal?
- Don't Skimp on Insurance When Times are Tough
Claims Involving Children
Hiring an Attorney for an Insurance Claim — When, Why and How
When you have suffered a loss and filed insurance claim and you're not sure what your rights are, you may be concerned about trusting your insurance company. The only way to ensure a fair settlement of a claim is to educate yourself and hire an attorney to assist you in the process. The first thing you need before making these decisions is a complete copy of your policy, including the "Declarations Page" and all "Endorsements" and "Riders".
Your Declarations Page is generally the first or second page of the policy. It states the dollar limits applying to each category of coverage, and lists the endorsements and riders, (extras) that you have in addition to the basic policy. This information will enable you to review your basic coverage categories:
- Dwelling
- Contents (Personal Property)
- Loss of Use (sometimes called "Additional Living Expenses".
Lilly, O'Toole & Brown, LLP
Lakeland Office: (863) 683-1111
Bartow Office: (863) 533-5525
Sebring Office: (863) 471-0003
Lake Wales Office: (863) 676-1991
Haines City Office: (863) 422-1282
Wauchula Office: (863) 767-1111
Winter Haven Office (863) 294-8100
Also providing legal assistance to clients from:
Wauchula, Lake Placid, Avon Park, Plant City, Brandon, and Valrico, Florida.
Verdicts / Settlements
Appellate Decisions
Press Releases
Lakeland Office
800 S. Florida Ave.
Lakeland, FL 33801
Phone: (863) 683-1111
Fax: (863) 683-0915
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Sebring Office
2154 Lakeview Drive
Sebring, FL 33870
Phone: (863) 471-0003
Fax: (863) 471-2034
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Bartow Office
310 E. Main Street
Bartow, FL 33830
Phone: (863) 533-5525
Fax: (863) 533-0505
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Lake Wales Office
815 S.R. 60 East
Lake Wales, FL 33853
Phone: (863) 676-1991
Fax: (863) 676-3873
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Winter Haven
70 Fourth Street N.W.
Winter Haven, FL 33881
Phone: (863) 294-8100
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