Skip to content

Insurance Lawyers in Sebring, FL: 2026 rankings

23 insurance lawyers ranked by LFR ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest LFR Score in Sebring: Cloud Law Firm Personal Injury, Truck & Car Accident Lawyers, LFR Score 63/100; 4.9★ from 235 Google reviews; open 24/7.

  2. 2

    Open 24 hours (per Google): XpertClaim Adjusters, posts 24/7 hours; ranked #2 of 23.

  3. 3

    Most-reviewed: Pardy & Rodriguez, P.A., 596 Google reviews at 4.9★, the most of 23 ranked; ranked #3.

Rankings can't be bought. Lawyers can't pay to change their rank or score. How we rank

23 Sebring insurance lawyers are ranked here by LFR Score, from nine published factors. 16 are open 24/7, 16 open Saturdays and 16 open Sundays, based on posted hours. The median Google rating is 4.9★ across 23 rated law firms.

Top 10 insurance lawyers in Sebring at a glance

Ranked by our published LFR Score from public data, not by payment; a rank is not an endorsement or a prediction of results.

Top 10 insurance lawyers in Sebring at a glance
RankBusinessLFR ScoreGoogle ratingBased inHoursNotable for
1Cloud Law Firm Personal Injury, Truck & Car Accident Lawyers634.9★ (235)SebringOpen 24 hrs (Google)Top score
2XpertClaim Adjusters625.0★ (5)Gulfport, 30 mi awayOpen 24 hrs (Google)Open 24 hours
3Pardy & Rodriguez, P.A.594.9★ (596)Four Corners, 49 mi awayOpen 24 hrs (Google)Most reviews
4Dismuke Law, PLLC594.9★ (22)SebringOpen 24 hrs (Google)—
5Pardy & Rodriguez, P.A.584.9★ (327)Poinciana, 45 mi awayOpen 24 hrs (Google)—
6Parrish Law, PLLC574.9★ (31)Lakeland, 49 mi away——
7Cappello Legal, P.A.564.9★ (92)Winter Haven, 39 mi awayOpen 24 hrs (Google)—
8Pardy & Rodriguez, P.A.565.0★ (129)Lakeland, 49 mi awayOpen 24 hrs (Google)—
9Car Accident and Personal Injury Lawyers Abrahamson & Uiterwyk564.9★ (111)Lakeland, 49 mi awayOpen 24 hrs (Google)—
10O'Toole Law Group555.0★ (54)Lakeland, 49 mi awayOpen 24 hrs (Google)—

All 23 insurance lawyers in Sebring, in rank order

Ordered by LFR Score, a 0–100 score from nine published factors. Paid placement never changes the order.

Ranked by our published LFR Score from public data, not by payment; a rank is not an endorsement or a prediction of results.

Scores below: based on 7 of 9 factors; bar status and recency not yet collected. Hatched segments mark factors we don't have yet.

  4. #4 Dismuke Law, PLLC

    Based in Sebring

    59/100LFR Score

    Ranked #4 because of its Google rating and practice area focus: 4.9★ from 22 Google reviews, listed on Google as “Personal injury attorney”.

    • 4.9★ from 22 Google reviews
    • Open 24/7
    Hours
    Open 24 hours, 7 days
    Address
    329 S Commerce Ave, Sebring, FL 33870
    View profile for Dismuke Law, PLLC(863) 250-5050

  6. #6 Parrish Law, PLLC

    Based in Lakeland, 49 mi away

    57/100LFR Score

    Ranked #6 because of its Google rating and practice area focus: 4.9★ from 31 Google reviews, listed on Google as “Insurance attorney”.

    • 4.9★ from 31 Google reviews
    Hours
    Mon–Fri 8:30 AM–5:30 PM · Sat–Sun closed
    Address
    200 Lake Morton Dr Ste 200, Lakeland, FL 33801
    View profile for Parrish Law, PLLC(863) 285-3611

  7. Based in Winter Haven, 39 mi away

    56/100LFR Score

    Ranked #7 because of its Google rating and practice area focus: 4.9★ from 92 Google reviews, listed on Google as “Personal injury attorney”.

    • 4.9★ from 92 Google reviews
    • Open 24/7
    Hours
    Open 24 hours, 7 days
    Address
    2799 Dundee Rd, Winter Haven, FL 33884
    View profile for Cappello Legal, P.A.(863) 258-5820

  10. #10 O'Toole Law Group

    Based in Lakeland, 49 mi away

    55/100LFR Score

    Ranked #10 because of its Google rating and practice area focus: 5.0★ from 54 Google reviews, listed on Google as “Personal injury attorney”.

    • 5.0★ from 54 Google reviews
    • Open 24/7
    Hours
    Open 24 hours, 7 days
    Address
    200 Lake Morton Dr Ste 300, Lakeland, FL 33801
    View profile for O'Toole Law Group(863) 533-5525

  12. #12 Ruel Law Firm

    Based in Lakeland, 49 mi away

    54/100LFR Score

    Ranked #12 because of its Google rating and practice area focus: 5.0★ from 5 Google reviews, listed on Google as “Insurance attorney”.

    • 5.0★ from 5 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    200 Lake Morton Dr #400, Lakeland, FL 33801
    View profile for Ruel Law Firm(833) 783-5529

  14. #14 Rose Cloud

    Based in Sebring

    54/100LFR Score

    Ranked #14 because of its Google rating and practice area focus: 1.0★ from 4 Google reviews, listed on Google as “Social security attorney”.

    • 1.0★ from 4 Google reviews
    • Open 24/7
    Hours
    Open 24 hours, 7 days
    View profile for Rose Cloud

  17. #17 Lon Worth Crow IV PA

    Based in Sebring

    52/100LFR Score

    Ranked #17 because of its Google rating and practice area focus: 4.4★ from 20 Google reviews, listed on Google as “Law firm”.

    • 4.4★ from 20 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    211 N Commerce Ave, Sebring, FL 33870
    View profile for Lon Worth Crow IV PA(863) 382-2374

  20. #20 DDB Law

    Based in Lakeland, 46 mi away

    50/100LFR Score

    Ranked #20 because of its Google rating and practice area focus: 4.8★ from 92 Google reviews, listed on Google as “Attorney”.

    • 4.8★ from 92 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    5640 Florida Ave S, Lakeland, FL 33813
    View profile for DDB Law(863) 213-1608

  21. #21 O'Toole Law Group

    Based in Bartow, 37 mi away

    49/100LFR Score

    Ranked #21 because of its Google rating and practice area focus: 5.0★ from 27 Google reviews, listed on Google as “Personal injury attorney”.

    • 5.0★ from 27 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    310 E Main St, Bartow, FL 33830
    View profile for O'Toole Law Group(863) 533-5525

  22. #22 RAK Law Firm

    Based in Lakeland, 49 mi away

    48/100LFR Score

    Ranked #22 because of its Google rating and practice area focus: 4.9★ from 29 Google reviews, listed on Google as “Business attorney”.

    • 4.9★ from 29 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    100 S Kentucky Ave #230, Lakeland, FL 33801
    View profile for RAK Law Firm(407) 437-0319

  23. #23 Peterson & Myers PA

    Based in Lakeland, 49 mi away

    45/100LFR Score

    Ranked #23 because of its Google rating and practice area focus: 3.8★ from 27 Google reviews, listed on Google as “Attorney”.

    • 3.8★ from 27 Google reviews
    Hours
    Mon–Fri 8 AM–5:30 PM · Sat–Sun closed
    Address
    225 E Lemon St Ste 300, Lakeland, FL 33801
    View profile for Peterson & Myers PA(863) 683-6511

Also serving Sebring

4 more insurance lawyers within 50 mi that we can't rank yet: too few reviews, or a practice area we couldn't confirm. Listed A to Z.

Unranked insurance lawyers serving Sebring
BusinessGoogle ratingDistance
Curb Man Inc45 mi
Hall Empire Adjusting LLC38 mi
Knapp Homes Inc3.5★ (2)46 mi
StormDamage49 mi

How we ranked Sebring insurance lawyers

We scored 23 Sebring insurance lawyers on nine factors, weighted as shown. A law firm is ranked when its practice area is confirmed and it has 3 or more Google reviews or a claimed profile. A law firm with no Google reviews scores zero on rating, review volume and recency. Other unknown factors are left out, not counted as zero. Scores last refreshed November 9, 2026.

Paid placement never changes a rank or score. Attorney advertising businesses are paid, labelled, limited to 3 and shown above the ranking, outside it.

Read the full method: formula, sources and exclusions

LFR Score factors and weights
FactorWeightComputed fromIn Sebring data
Reputation25%Google star rating, adjusted for how many reviews back itMeasured
Bar status10%An active bar or law society record matched to a lawyer at the firm (not measured until a record source is loaded)Not yet collected
Review volume10%Number of Google reviews, compared with the most-reviewed firm on the listMeasured
Recency10%Share of reviews from the last 12 monthsNot yet collected
Availability5%Weekly office hours, Saturday, Sunday, and phones answered 24/7Measured
Practice focus15%How clearly the firm practises this area (its Google category and name)Measured
Proximity5%An office in the city scores highest, less the farther away it isMeasured
Claimed profile10%The firm has claimed its Law Firms Ranked profile (free and paid earn the same)Measured
Law Firms Ranked reviews10%Verified client reviews collected by Law Firms Ranked: their rating and how many there areMeasured

How to choose an insurance lawyer

  1. Check the lawyer’s status and any public discipline in the state bar or law society directory.
  2. Ask how many insurance law matters the lawyer handles each year, and who at the firm will do the work.
  3. Get the fee arrangement in writing: hourly, flat or contingency, and which costs are charged on top.
  4. Ask how and how often the firm will update you, and how fast it answers calls and emails.
  5. Read recent reviews for how the firm communicated and billed, not only for outcomes.
  6. Ask whether the firm represents policyholders, insurers or both, and how often it handles your type of policy.
  7. Meet more than one firm; many offer a short first consultation, sometimes free.

Questions to ask an insurance lawyer

  • How would you approach a matter like mine, and what are the realistic options?
  • How do you charge, and what will the total likely cost?
  • Who will be my main contact, and how quickly do you reply?
  • Do you represent policyholders or insurance companies?
  • How is your fee calculated if the claim settles?
  • Is there any conflict of interest that would stop you representing me?

Terms explained

Contingency fee
A fee that is a share of the money recovered, paid only if there is a recovery. Common in injury cases; not allowed for criminal defense or for securing a divorce.
Retainer
Money paid up front and held in a trust account, which the lawyer draws on as fees are earned.
Flat fee
One set price for a defined piece of work, such as a will or an uncontested matter.
Limited-scope representation
Paying a lawyer for part of a matter only, such as reviewing documents or coaching for one hearing (also called unbundled services).
Statute of limitations
The deadline to file a lawsuit or charge. It differs by state or province and by type of claim.
Good standing
A lawyer’s status as active and eligible to practise with a state bar or law society.
Law society
The body that licenses and disciplines lawyers in a Canadian province or territory.
Board certification
Recognition in a field of law by a state program or an organisation accredited for that purpose. Lawyers may only claim it when they hold it, naming the certifying body.
Attorney–client privilege
The rule that keeps confidential communications between a client and lawyer, made for legal advice, out of court.
Conflict check
The search a firm runs before taking a matter to make sure it does not represent someone on the other side.
Pro bono
Legal work done for free, usually for people who cannot afford a lawyer.
Legal aid
Publicly funded legal help for people with low incomes, through legal aid offices, public defenders or provincial legal aid plans.

Insurance lawyers in Sebring: frequently asked questions

Which insurance lawyer has the highest LFR Score in Sebring?

By LFR Score, the highest-ranked insurance lawyer in Sebring, FL is Cloud Law Firm Personal Injury, Truck & Car Accident Lawyers with an LFR Score of 63/100. It has 4.9★ from 235 Google reviews. It is open 24/7. XpertClaim Adjusters (#2) and Pardy & Rodriguez, P.A. (#3) follow. We ranked 23 insurance lawyers on nine factors, last updated November 9, 2026.

How many insurance lawyers are there in Sebring?

LawFirmsRanked ranks 23 insurance lawyers serving Sebring, FL. 4 of them are based in Sebring; the rest serve it from nearby towns. Another 4 within 50 mi are listed but not ranked yet. Counts are as of November 2026.

Which insurance lawyers in Sebring are open 24/7?

16 ranked insurance lawyers in Sebring post 24/7 hours. The highest-ranked are Cloud Law Firm Personal Injury, Truck & Car Accident Lawyers (#1), XpertClaim Adjusters (#2) and Pardy & Rodriguez, P.A. (#3). Hours come from each law firm's Google listing as of November 2026, so call to confirm.

Which insurance lawyers in Sebring work on weekends?

16 of 23 ranked insurance lawyers post Saturday hours and 16 post Sunday hours. The highest-ranked open Saturdays are Cloud Law Firm Personal Injury, Truck & Car Accident Lawyers (#1), XpertClaim Adjusters (#2) and Pardy & Rodriguez, P.A. (#3). Posted hours are office hours; many firms meet clients by appointment outside them.

What Google rating do Sebring insurance lawyers have?

The median Google rating among 23 rated insurance lawyers in Sebring is 4.9★, with a median of 29 reviews. Pardy & Rodriguez, P.A. has the most, 596 reviews, and ranks #3. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does LawFirmsRanked rank insurance lawyers?

Each insurance lawyer gets a 0–100 LFR Score from nine published factors, led by reputation (25%), practice focus (15%), review volume (10%) and recency (10%). A law firm with no Google reviews scores zero on rating, review volume and recency; other factors we cannot measure are left out. Only law firms with a confirmed practice area and 3 or more reviews, or a claimed profile, are ranked.

Do insurance lawyers outside Sebring count in this ranking?

Yes, if they are within 50 mi of the Sebring city center, our service radius for insurance lawyers. Each listing shows where the law firm is based and how far away it is. Proximity is 5% of the LFR Score, so a nearby law firm gets a small edge.

Can insurance lawyers pay to rank higher on LawFirmsRanked?

No. The LFR Score never reads payment status, and this ranking has 0 paid placements. Up to 3 Featured law firms may appear above the list, labelled Attorney advertising and showing their honest rank.

How do insurance lawyers in Sebring, FL charge?

Lawyers for policyholders often work on contingency or a mix of hourly and contingency fees; lawyers defending insurers bill hourly. Ask for the fee arrangement in writing before you agree.

What can I do if my insurer denies or underpays a claim?

Ask the insurer for the denial in writing with the policy wording it relies on, keep every document, and note any deadline in the policy or the letter. Every state has an insurance department that takes complaints; a lawyer can advise whether the denial can be challenged and how long you have. This is general information, not legal advice.

How is this list of insurance lawyers in Sebring, FL ranked?

By LFR Score only, from public data on reviews, practice focus, office location and hours. Firms labelled “Attorney advertising” paid for that placement; payment never changes a rank, and a rank is not an endorsement.

Does a lawyer need an office in Sebring?

No, but the lawyer must be licensed in your state (or, for federal matters such as immigration, in some state). A local office makes meetings and court appearances easier, so proximity is one of our factors.

Update log for Sebring

  1. November 2026: LFR Scores recalculated for 23 insurance lawyers serving Sebring.

More insurance lawyers and Sebring pages