Michael Cassel forwarded the above letter from Citizens Property Insurance Company which accepts the position that Florida’s new pre-suit notice requirements do not apply to policies issued before July 1, 2021. There is previous case precedent that supports this position and Citizens is not doing this out of the goodness of their hearts.
Continue Reading Citizens Agrees That Florida’s New Pre-Suit Notice Requirements Does Not Apply to Policies Issued Before the Effective Date of the Statute

A number of Florida insurance companies removed appraisal from their policies over the past several years. Since litigation was the only method of resolution, this lead in part to a sharp increase in lawsuits filed. This “Wag The Dog” scenario then allowed the Florida insurance industry to claim a spike increase in the number of lawsuits filed and seek a need for alleged reform which harms Florida policyholders.
Continue Reading Does SB 76 Require An Insurer and Policyholder to Go To Appraisal If The Policy Does Not Reference Appraisal?

We still field questions from adjusters about what gets paid if there is a total loss in Florida. I am certain that most adjusters remember something about a Florida total loss case where law and ordinance benefits were automatically paid without showing proof of loss. That case is known as Mierzwa1 and that part of Mierzwa was overruled by Ceballo.2
Continue Reading Total Loss Does Not Mean Supplemental Coverages Get Paid—Ceballo Overruled Mierzwa So That Law and Ordinance Does Not Get Automatically Paid Following a Total Loss

A recent Florida case1 has a lengthy discussion about cases where changing valuations by the insured are then used by clever insurance company attorneys to argue that a post-loss fraud has occurred. This is now a common practice in litigation throughout the country as policyholders, public adjusters, and contractors make differing estimates of loss and have different opinions about what the measure of the loss should be.
Continue Reading Insurance Company Attorneys Often Wrongfully Argue That a Fraud Occurs When Parties Only Have a Difference of Opinion

Florida’s new anti-policyholder laws found in SB 76 were not vetoed and instead were signed into law effective July 1, 2021. This is a big win for insurance companies which delay and underpay claims. The effect of these laws make it more difficult to hold those insurance companies accountable, further delay claims payments when those insurance companies do delay payment, provide new technical defenses to insurance companies when they are sued, reduce the time to submit all claims to insurers, and make it much less probable that policyholder attorneys fees will be fully paid by delaying and underpaying insurance companies. To top it off, nobody in the insurance industry promises that these new laws will reduce insurance rates.
Continue Reading Florida’s New Anti-Policyholder SB 76 Signed Into Law By Governor DeSantis

Insurance companies in Florida are increasingly invoking a right to make repairs. It creates a hornet’s nest because the policyholder may get left with a delayed and insufficient repair. Then, what happens?
Continue Reading Has Your Insurer Elected to Repair Your Damage? It Needs to Do the Work In a Reasonable Time and Correctly

An Orlando Sentinel article, Florida Lawmakers Are Being Misled About Insurance Lawsuits, Expert Contends,1 makes one wonder whether Florida’s Insurance Commissioner has sold out Floridians to benefit Florida’s property insurance industry. One of the country’s most noted insurance experts, Birny Birnbaum, was quoted in the article concerning a letter Florida’s Insurance Commissioner wrote:
Continue Reading Is Florida’s Insurance Commissioner a Stooge for the Insurance Industry?

John Pappas was the senior partner of Florida’s largest property insurance defense firm. He has written a “white paper” about the Florida legislation in HB 305, currently pending in the Florida House. His conclusion is as follows when it comes to frivolous lawsuits and stopping insurance litigation:
Continue Reading Florida Insurance Company Attorney Calls Out Bad Insurance Legislation Harming Floridians–Join Me on Today’s Tuesday @2 With Chip Merlin

Effective May 1st, 2021, Florida courts will begin utilizing a different standard in evaluating motions for summary judgment. The Florida Supreme Court, acting on its own motion, has amended the Florida Rules of Civil Procedure to adopt the federal summary judgment standard, which “is expected to make it easier for judges to grant summary judgment motions.”1 Summary Judgment is a pre-trial judgment brought by motion that dispositively determines the resolution of a case.2
Continue Reading Florida Motion for Summary Judgment Standard Update

The Florida Senate has crafted legislation to force those with delayed and underpaid property damage claims to seek resolutions outside of the halls of justice. Florida Senate Bill 76 slashes the time policyholders have to file a claim, reduces recoverable attorney fees from insurance companies (making it difficult for policyholders to find competent counsel when insurance companies underpay them), and enables the sales of weaker policies not fully covering homes.
Continue Reading Florida Senate Bill 76 is Bad for Florida Policyholders