Our client, a custom photography firm specializing in high quality commercial photography, purchased insurance for its Hoverfly Scripta drone.

The Hoverfly was damaged when it crashed after losing power during flight.  Our client submitted an insurance claim for the damage.  The insurance company denied the claim, citing to an exclusion in the
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Just today, the 4th DCA ruled in Kramer v. State Farm Florida Insurance Company, ____ So.3d ____ (Fla. 4th DCA 2012), where an insured homeowner gave late notice and proof of loss concerning a wind damage claim.

Ultimately, the insurance company in this case won on summary judgment.  But, the important part of this case

In Segal v. State Farm Florida Insurance Company, ____ So.3d ____ (Fla. 4th DCA 2010), the insured  was sued for "knowingly and/or negligently" making defamatory statements.  The insured sent the lawsuit to State Farm asking State Farm to defend her in the lawsuit and ultimately indemnify her if she was found liable.  State Farm provided the insured with homeowner’s insurance

My client, a home owners association (HOA), was sued by one of the home owners in its community.  The HOA submitted the claim to its errors and omissions insurance carrier.  The E & O Carrier denied the claim and refused to defend.  I filed a declaratory judgment action which resulted in the insurance company agreeing

My client insures multiple vehicles on his auto policy with Cornerstone National Insurance Company. The auto insurance policy provides liability coverage for bodily injury liability, property damage liability for damage to other vehicles, and collision coverage for damage to his vehicles. My client’s friend, while driving one of his vehicles (with his consent), is alleged

In a New Orleans case a trial judge entered an order on March 26, holding the pollution exclusion in a homeowners insurance policy does not apply to damage done by Chinese drywall.  In holding that the exclusion does not apply the court noted

The POL [pollution and contamination] exclusion does not and was never intended,

In Chicago Title Insurance Company v. Northland Insurance Company, ____ So.3d ____ (Fla. 4th DCA March 3, 2010), an attorney acting on behalf of a title company misappropriated funds that were intended to be used to satisfy a mortgage.  As a result, Chicago Title had to pay to satisfy the mortgage.  Chicago Title then sued the

In a unanimous decision, the Mississippi Supreme Court has explained how the anti-concurring cause clause (ACCC) in the standard homeowners insurance policy should be interpreted.  Although this decision was from Mississippi, it will prove to be informative in Florida as there is very little Florida law on this important issue.  I’ve previously blogged extensively on the

In a decision which the 2nd DCA calls "self-evident," a third-party administrator ("TPA") for an HMO was sued by one of its salesman where the salesman alleged the TPA "embarked upon a deliberate plan to interfere in the relationship between Thomas [the salesman] and its customers, designed to drive those customers away."  The TPA submitted the defense and

    The Florida courts have not issued any consumer noteworthy insurance law for the last few weeks, so I thought I’d give you some insights into the “Anti Concurring Cause Clause”, which has become a recent focus in insurance litigation.  Principally, it is a creation by insurers to ensure they will not be responsible for paying any part