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Blog Posts | Order Denying Motion to Dismiss under Florida’s Notice of Intent Statute Reviewable by Certiorari
Sep 20, 2024 | By Jamal McBroom, IV, Vincent Fernandez
Florida’s Third District Court of Appeal recently exercised its discretionary jurisdiction and granted review of an order denying a carrier’s…
Blog Posts | The Main Event: Florida Supreme Court to Resolve District Court Split Over Retroactive Application of State’s NOI Statute
Sep 20, 2024 | By Vincent Fernandez, Shaheen Nouri
Tag-teaming with Florida’s Sixth District Court of Appeal, the Second District is also at odds with the Third and Fourth…
Blog Posts | Federal Court has Jurisdiction over First-Party State-Law Declaratory Judgment Actions
Sep 10, 2024 | By Mihaela Cabulea, Vincent Fernandez
Conversion of State-Law Declaratory Judgment Actions Concerning First-Party Coverage Disputes into Federal Declaratory Judgment Actions Is Not Required Upon Removal…
Blog Posts, News | Claimants Can’t Have Their Cake and Eat it Too
Aug 12, 2024 | By Fay Ryan
Eleventh Circuit Judicially Estops Claimant From Recovering Intentional Tort Judgment Under Errors and Omission Liability Policy In a rarely seen…
Blog Posts | Subrogation in Louisiana and the Challenges of the One-Year Prescriptive Period
Jul 29, 2024 | By Patrick Lindley
Article 3492 of the Louisiana Civil Code governs the time period in which a “delictual action” – an action that…
Blog Posts | New Florida Case Affects Recoverable Damages in Homeowner’s Insurance Cases
Jul 26, 2024 | By Shaheen Nouri
A new Florida appellate decision may dramatically affect recovery in homeowner property insurance lawsuits. In Universal Property & Casualty Insurance…
Blog Posts | Carrier’s Proof of Loss Form May Be a Mandatory Post-Loss Obligation in Commercial Claims
Jul 09, 2024 | By Shaheen Nouri
Submitting a proof of loss using a carrier’s approved proof of loss form may be a mandatory post-loss obligation…
Blog Posts, News | Sweeping Changes to Florida Rules of Civil Procedure
Jun 25, 2024 | By Abraham Mohammad Shakfeh
The Florida Supreme Court recently approved significant amendments to the Florida Rules of Civil Procedure.[1] Below are summaries of some…
Blog Posts | New Jersey Supreme Court Doesn’t Show a Whole Lot-ta Love for Commercial Property Owners
Jun 17, 2024 | By Michael Savett
Insurers of commercial property owners take note: in a 4-3 decision, the New Jersey Supreme Court significantly expanded sidewalk liability…
Blog Posts, News | As The Pip World Turns: Insurance Carriers Do Not Have To Pay 100% Of The Billed Amounts Under Section 627.736, Florida Statutes
May 07, 2024 | By Kathy Maus, J. Blake Hunter
A plethora of litigation exists in Florida’s state and federal courts regarding the amounts an insurance carrier must reimburse a…
Blog Posts, News | Scheduling, Compliance, and Liaison Tasks under the Professional Services Exclusion
April 22, 2024 | By Kathy Maus, Samantha Wuschke
Although a construction manager’s scheduling and liaison responsibilities do not require specialized training, such tasks may be sufficiently related to…
Blog Posts | Florida Supreme Court Answers Certified Question: Dram Shop Actions Are Negligence Actions
Apr 04, 2024 | By Barry Burkett
Florida’s “Dram Shop” statute permits liability against a bar or restaurant for the actions of a person who may become…
Blog Posts | New York Court Emphasizes the Importance of Notice in Subrogation
Mar 25, 2024 | By Michael Wolfer, Sydney Broom
An insurer generally acquires its insured’s rights against tortfeasors through subrogation. But what happens if the insured enters into a…
Blog Posts, News | One or More Accidents or Occurrences – That is The Question – Redux
March 6, 2024 | By J. Blake Hunter
Several years ago, I published a blog regarding the number of occurrences triggered under a liability policy for a motor…
Blog Posts | Texas Supreme Court Answers Certified Question in Favor of Insurer on Preclusion of Attorney’s Fees Under Texas Insurance Code Chapter 542A
Mar 05, 2024 | By Jeffery Allcorn
When an insurer pays the full amount of an appraisal award plus statutory interest, the insured is precluded from recovering…
Blog Posts, News | Analyzing AOBs: Are the Courts Splitting Hairs or Seeking Statutory Compliance?
Feb 23, 2024 | By Kimberly Matot
So many things in life can be randomly assembled and made to function seamlessly: puzzle pieces for your five-year-old, online…
Blog Posts, News | Third District Court of Appeal Joins Debate Over Retroactive Application of Florida Statute 627.70152’s Presuit Notice Provision
Feb 21, 2024 | By Vincent Fernandez
On February 14, 2024, Florida’s Third District Court of Appeal, in Fernando Cantens and Ana Marie Cantens v. Certain Underwriters…
Blog Posts, News | Putting the Cart Before the Horse: The New Florida Appraisal Landscape
Feb 14, 2024 | By Henris Zaimaj
As a dispute-resolution mechanism, appraisal can be an effective means of resolving a valuation dispute between an insurer and its…
Blog Posts, News | IL Court: Insurer Can Subrogate Additional Insured Without Equitable Principles
Nov 14, 2023 | By Geoffrey Waguespack
Illinois Appellate Court Holds that Insurer May Subrogate to the Rights of an Additional Insured Based on a Contractual Right…
Blog Posts, News | Federal Court Applying Alabama Law Finds That Insurer Has No Duty To Defend Failure-to-disclose Action
November 3, 2023 | By Barry Burkett, Samantha Wuschke
The duties to defend and indemnify arise out of an insurer’s contract with its insured. It is a commonly accepted…
Blog Posts, News | When the “Made Whole” Doctrine Isn’t a Defense to Subrogation
Oct 13, 2023 | By Sydney Broom
In some jurisdictions, the “made-whole” doctrine requires insured parties to be made whole before an insurance carrier may recover from…
Blog Posts | Tear-Out Costs Get Torn Out Again
Oct 04, 2023 | By Julius “Rick” Parker III
On September 13, 2023, the Third District Court of Appeal released its opinion in People’s Trust Insurance Company v. Banks.1…
Blog Posts, News | Insurers May be on-the-hook for Pre-Suit Attorney’s Fees, but Can Avoid Them by Considering Pre-Suit Settlement
September 5, 2023 | By Michael Montgomery, Vincent Fernandez, Jamal McBroom, IV, Samantha Wuschke
Tendering policy limits to an insured in response to a Notice of Intent to Litigate, under section 627.70152, Florida…
Blog Posts | Florida Law Requiring Property Claims-Handling Attestation Takes Effect Tuesday, August 1, 2023
Jul 28, 2023 | By Shaheen Nouri
The Florida Office of Insurance Regulation has issued an important memorandum to the insurance industry about the new Florida law…
Blog Posts | Thanks to an Unruly Cat, the Tennessee Court of Appeals Reaffirms the Sutton Rule
Jul 05, 2023 | By Scott Hefner
A recent ruling by the Tennessee Court of Appeals in Patton v. Pearson1 upheld the ‘Sutton Rule’ in a subrogation…
Blog Posts | An Update on Artificial Intelligence and the Law
Jul 05, 2023 | By Timothy Engelbrecht
A just machine to make big decisions, Programmed by fellows with compassion and vision …. Lyrics from the song I.G.Y….
Blog Posts | Can I Knock the Opposing Expert Out? Understanding How Florida Courts Allow or Prevent Proposed Experts
Jun 08, 2023 | By Timothy Engelbrecht
Experts are key witnesses in any case. They have the ability to testify about things that are usually beyond the…
Blog Posts | Effective immediately: Florida Rule of Civil Procedure 1.530(a) applies to certain non-final orders
May 08, 2023 | By Mihaela Cabulea
Most trial lawyers tend to use reconsideration and rehearing interchangeably. But until recently they served very different purposes. Motions for…
Blog Posts | A Matter of Means and Methods: Florida Appellate Court Upholds Retroactive Presuit Notice Requirement
May 03, 2023 | By Shaheen Nouri, Vincent Fernandez
The presuit notice requirements of section 627.70152, Florida Statutes, are procedural in nature and, therefore, apply retroactively to insurance policies…
Blog Posts | Confined to the Four Corners by the Rules of Contract Interpretation
Apr 26, 2023 | By Vincent Fernandez, Shaheen Nouri, Kristina Harris
A Review of Shiloh Christian Center v. Aspen Specialty Insurance Company The Eleventh Circuit Court of Appeals recently held that…
Blog Posts | Stateless Amber Heard: The Legal Loophole to Avoid Being Sued in Federal Court
Apr 20, 2023
The Johnny Depp-Amber Heard trial captured the world’s attention in 2022. Two years after the couple divorced, Heard described surviving…
Blog Posts | Florida’s Shortened Statute of Repose for Construction Defect Claims
Apr 19, 2023
On April 13, 2023, and as part of other recent tort reform measures implemented in Florida, Governor Ron DeSantis signed…
Blog Posts | Effective immediately: jury requests to review testimony in civil cases is governed by Florida Rule of Civil Procedure 1.453
Mar 31, 2023 | By Mihaela Cabulea
Previously, the Second District Court of Appeal extended to civil cases the holding in Hazuri v. State, 91 So. 3d…
Blog Posts | TO FEE OR NOT TO FEE, THAT IS THE QUESTION (PART II)
Mar 30, 2023 | By J. Blake Hunter
An issue that remains contentious is whether the Supplementary Payments provisions in the general liability policy provide coverage for attorney’s…
Blog Posts | Sweeping Changes to “Bad Faith” in Florida
Mar 28, 2023 | By J. Blake Hunter
After twelve (12) years of effort, and in what now seems like a blink of an eye during this legislative…
Blog Posts | Florida’s Tort Reform and its Impact on Subrogation
Mar 24, 2023 | By Matthew Peaire
HB 837 was introduced to the Florida House of Representatives on February 15, 2023. The bill went quickly through the…
Blog Posts | Words matter: a series of leaks constitutes a single occurrence under particular policy language
Mar 24, 2023
In a recent decision from the United States District Court for the Middle District of Florida, Tampa Division, styled KT…
Blog Posts | Coverage By Waiver In Georgia? Not Anymore Says The Eleventh Circuit
Mar 17, 2023 | By T. Nicholas Goanos
In 2012, the Georgia Supreme Court stated, in a third-party coverage matter, “an insurer cannot both deny a claim outright…
Blog Posts | Too Interested To Be Disinterested: The Florida Supreme Court’s Take on Disinterested Appraisers
Feb 10, 2023 | By Vincent Fernandez, Shaheen Nouri
“If you and we fail to agree on the amount of loss, either party can demand that the amount of…
Blog Posts | New Florida Law Allows Carriers to Serve Joint Offers and Proposals
Dec 30, 2022 | By Shaheen Nouri
On December 16, 2022, Florida’s Governor signed Senate Bill 2A into law, bringing a number of changes to Florida’s insurance…
Blog Posts | Wind v. Flood in the Wake of Hurricane Ian
Dec 07, 2022 | By Matthew Lavisky, David Maldoff
In late September, 2022, Hurricane Ian made landfall in Southwest Florida and traveled across the state. The storm brought with…
Blog Posts | In South Carolina, Insurers Owe Fees for Losing a First Party DJ? – It’s Un-American!
Dec 06, 2022 | By T. Nicholas Goanos
Bottom Line, Up-Front A recent South Carolina federal district court ruling interprets South Carolina law in a new and potentially…
Blog Posts | Profiting from a Peril: Business Interruption Valuation During Economic Instability
Nov 30, 2022 | By J. Pablo Cáceres
Introduction The pandemic and political turmoil are causing widespread and long-term economic volatility after many years of positive trends. But…
Blog Posts | Deal or No Deal: The Florida Supreme Court clarifies what it takes for an offer of judgment to be deemed accepted
Nov 10, 2022 | By Mihaela Cabulea
Recently, the Florida Supreme Court resolved an interdistrict conflict between the decision of the Second District Court of Appeal in…
Blog Posts | The Made Whole Doctrine is Alive and Well in Virginia
Nov 04, 2022 | By Scott Hefner
While the Virginia Supreme Court has never addressed the made whole doctrine by name, a recent federal district court opinion…
Blog Posts | Nuanced Aspects of Hurricane Claims: Civil Authority, Ordinance or Law, and Mobile Home Claims
Oct 24, 2022 | By Timothy Engelbrecht, William Collum
The adjustment of hurricane claims sometimes involve discrete issues regarding either special coverages under insurance policies or different types of…
Blog Posts | Litigating Tile Roof Claims
Oct 18, 2022 | By Sarah Burke, D. Grayson Kelly
Hurricane Irma’s landfall in Florida produced an avalanche of property insurance claims throughout the state, the majority of which involved…
Blog Posts | Tips for Investigating Subrogation in Florida Following Hurricane Ian
Oct 14, 2022 | By Matthew Peaire
Hurricane Ian was a devastating storm for southwest Florida. While out in the Gulf of Mexico, it became a high-end…
Blog Posts | Florida Federal District Court: Florida Law Governs Property Insurance Disputes Involving Florida Real Property Owned by Florida Citizens
Oct 13, 2022 | By Adam Topel
Bucking a general consensus that had emerged over the last decade, a South Florida federal district court ruled recently that…
Blog Posts | What to Expect When You Are Adjusting: A Primer for Hurricane Ian Property Claims
Oct 10, 2022 | By Thomas Keller, Dericka Burke
The last week of September, 2022, the State of Florida braced for what was categorized to be one of the…
Blog Posts | Florida Law Catches Up to Stalking Drones
Oct 07, 2022 | By James Michael Shaw , Jr., Ryan Hilton
In 2015, Dan Mouneimne’s stepdaughter sat outside a downtown Tampa bar when she noticed a drone hovering around her. She…
Blog Posts | To Remand or Not to Remand, That Is the Question
Sep 26, 2022 | By Barry Burkett, J. Blake Hunter
Generally, a case is not removable to federal court “more than one year after commencement of [an] action.” However, a…
Blog Posts | Sexual Assault Is Not A Professional Service
Sep 23, 2022 | By J. Blake Hunter
Not many cases in Florida analyze Professional Services Exclusions in general liability policies. However, on September 16, 2022, the Eleventh…
Blog Posts | Bracing for Fiona – A pre and post analysis of hurricane risk in Puerto Rico and the Caribbean
Sep 21, 2022
Five years after Hurricane Maria, Puerto Rico braced again as Tropical Storm Fiona, expected to become a Hurricane by landfall,…
Blog Posts | Trial Lawyers, Don’t Lose Your Appeal
Sep 06, 2022 | By Mihaela Cabulea
Every appellate attorney’s dream is a well-developed record on appeal without any unpreserved errors. But that is not always possible….
Blog Posts | Floridians will soon experience swifter justice: Come January 1, 2023, Florida will get a Sixth District Court of Appeal
Jul 07, 2022 | By Mihaela Cabulea
In an attempt to improve the judicial process, the Florida Supreme Court recommended in November 2021 the addition of a…
Blog Posts | Home Again, Home Again, Jiggity Jig – Are Pennsylvania Courts Misconstruing the Residency Requirement?
Jun 22, 2022 | By Adam Masef
Residency has long been the touchstone of insurability when it comes to homeowners insurance. Courts applying Pennsylvania law have held…
Blog Posts | Seventh Circuit Affirms Judgment on the Pleadings for Insurer in Covid-19 Business Interruption Claim by Shopping Mall Food Court Restaurant
Jun 17, 2022 | By K. Clark Schirle, Jonathan Barger
Butler Weihmuller Katz Craig LLP attorneys Clark Schirle and Jon Barger obtained a victory for their client in the case…
Blog Posts | Florida Streamlines Admitting Satellite and Mapping Images into Evidence
Jun 10, 2022 | By William Collum
Satellite and mapping imagery has an important role in the litigation of property insurance claims, from its use to question…
Blog Posts | Bad Faith Claim Brought Under Florida Law Foreclosed by the Insurance Policy’s Choice of Law Provision
Jun 06, 2022 | By William Collum, Kristina Harris
When contained in an insurance policy, a choice of law provision generally provides that the law of a certain state…
Blog Posts | What You Need to Know About Recent Changes to Florida Property Insurance Law Affecting Admitted and Surplus Lines Insurers
May 31, 2022 | By William Collum
Having been called back to the capitol by Florida’s governor for a special session to address issues within the property…
Blog Posts | Dial v. Calusa Palms Master Association, Inc. – Florida Supreme Court Confirms Only Amounts Actually Paid By Medicare Are Admissible As Evidence Of Past Medical Expenses
May 13, 2022 | By Barry Burkett, William Linero Jr.
On April 28, 2022, the Florida Supreme Court issued its decision in Dial v. Calusa Palms Master Association, Inc., which addressed…
Blog Posts | Indiana Rejects Subrogation Waiver Argument Where Contractor Performed Work at the Request of Another
May 12, 2022 | By Geoffrey Waguespack
In U.S. Automatic Sprinkler Corp. v. Erie Insurance Exchange, 21A-CT-580, 2022 WL 906142 (Ind. Ct. App. Mar. 29, 2022), the…
Blog Posts | Attorney’s Fees as an Element Damages in an Uninsured Motorist Bad Faith Lawsuit Make the Plaintiff Whole, not His or Her Attorneys
May 11, 2022 | By Matthew Lavisky
A plaintiff cannot recover attorney’s fees in a Florida lawsuit for Uninsured Motorist (“UM”) benefits unless there is a dispute…
Blog Posts | ADDRESSING THE PROPERTY INSURANCE CRISIS BY CONTRACT LANGUAGE: New Endorsement Approved By The Florida Department Of Insurance Regulation
May 09, 2022 | By John Garaffa
On November 16, 2021 American Integrity Insurance Company of Florida filed a request for approval for an endorsement to its…
Blog Posts | Doctors, Scientists, & Engineers – Oh My! Changes to Federal Rule 702 are Likely Coming
Mar 30, 2022 | By Scott Hefner
Federal Rule of Evidence 702—Testimony by Expert Witnesses—was promulgated in 1975 when Congress first enacted the Federal Rules of Evidence….
Blog Posts | The Water Damage Endorsement Does Not Include “Tear Out” Cost in Cast Iron Pipe Claims
Mar 07, 2022 | By Brian Hohman
Florida is replete with houses that contain cast iron pipes. After several years, those pipes deteriorate to the point that…
Blog Posts | Pennsylvania Finds Exception to Anti-Subrogation Rule
Feb 28, 2022 | By Michael Wolfer
The Pennsylvania Supreme Court recently adopted the “no-coverage exception” in Arlet v. Workers’ Compensation Appeal Board. 2022 WL 529350 (Pa….
Blog Posts | Florida First DCA Reverses $28.6 Million Judgment and Emphasizes that Alleged Violations of the Florida “Dram Shop” Act are Negligence Actions
Feb 23, 2022 | By Barry Burkett
The effects of alcohol-impaired driving as it concerns life and limb are well-documented. Indeed, more often than not, the policy…
Blog Posts | Orders permitting/denying pursuit of punitive damages soon to be immediately appealable
Jan 07, 2022 | By Mihaela Cabulea
Some Florida practitioners and appellate courts have long pointed to the need to amend the rules of appellate procedure to…
Blog Posts | Appellate Court Holds Entitlement to Fees and Costs Award Under Section 768.79 Does Not Require Defendant’s Settlement Offer Exclusive of Fees to Specify Amount of Plaintiff’s Attorney’s Fees Excluded
Nov 30, 2021
Few things play a more sizable factor in litigation than attorney’s fees. They incentivize suing as much as they do…
Blog Posts | THE CONTINUED QUESTION OF DISINTERESTED APPRAISERS FOR FLORIDA APPRAISALS
Oct 28, 2021 | By William Collum
In most circumstances involving an insurer’s extension of coverage for a property loss, an appraisal provision in an insurance policy…
Blog Posts | Dodge’n Expert Bias Discovery Issues Raised in Worley
Oct 22, 2021 | By Abraham Mohammad Shakfeh, Vincent Fernandez
Expert witnesses are a critical part of litigation. A good expert can properly assess a case, help position a case…
Blog Posts | Fifth Circuit Seeks Guidance From The Texas Supreme Court On When The Concurrent Cause Doctrine Applies
Oct 12, 2021 | By K. Clark Schirle
Hail damage is so typical in Texas that Chapter 542A of the Texas Insurance Code is known as the “Hail…
Blog Posts | Good Faith: Plaintiffs’ Complaints About Release Held Invalid
Sep 28, 2021 | By David Krouk
The United States Court of Appeals for the Eleventh Circuit recently addressed the issue of whether tendering a policy limits…
Blog Posts | Is Arizona the Beginning of the End for Peremptory Challenges?
Sep 08, 2021 | By Scott Frank
On August 30, 2021, the Arizona Supreme Court instituted a landmark rule change that made Arizona the first state in…
Blog Posts | Insurer Doesn’t “Waive” Goodbye to Coverage Defenses by Making a Payment
Sep 03, 2021 | By Jamie Combee Novaes
Does an insurer “open coverage” or “acknowledge coverage” for a claim by making a payment? No, it doesn’t. The Third…
Blog Posts | More than one collision, but how many accidents?
Aug 25, 2021 | By Matthew Lavisky
Automobile insurance policies specify a maximum amount the insurer will pay for a single accident. This coverage limit applies both…
Blog Posts, News | Partner Kathy Maus Quoted in Insurance Law360: “Policyholders’ Hack Coverage Hopes Surge with Landry’s Win”
July 28, 2021 | By Kathy Maus
Partner Kathy Maus of Butler’s Tallahassee office was recently quoted in an Insurance Law360 article titled “Policyholders’ Hack Coverage Hopes…
Blog Posts | Lights, Camera, Action: Florida court rules insured can record appraisal inspection
Jul 16, 2021 | By Timothy Engelbrecht
On July 7, 2021, Florida’s Fourth District Court of Appeal ruled that an insured may electronically record an insurer’s appraiser…
Blog Posts | One Step Forward, Two Steps Back: Roofers, Insurance and Commercial Speech
Jul 14, 2021 | By John Garaffa
On July 11, 2021 Chief Judge Mark Walker of the U.S. District Court for the Northern District of Florida entered…
Blog Posts, News | 8th Circuit Rules In Favor of Insurer in Covid-19 Business Interruption
July 6, 2021 | By Jonathan Barger
On July 2, 2021, in the case of Oral Surgeons, P.C. v. Cincinnati Ins. Co., No. 20-3211, the U.S. Court of…
Blog Posts | South Carolina Permits Depreciation of Labor When Calculating ACV
May 26, 2021 | By Jonathan Barger, T. Nicholas Goanos
The issue of whether labor can be depreciated when a property policy does not define the term “actual cash…
Blog Posts | Florida’s Second DCA: Coverage Can Remain at Issue Even After Insurer’s Payment
May 05, 2021
A Florida appellate court recently made clear that the issue of insurance coverage can remain in dispute, even where an…
Blog Posts | Recent Changes in Florida’s Property Insurance Law for Admitted and Surplus Lines Insurers: The Basics of What You Need to Know
May 04, 2021 | By William Collum
Hours before the close of Florida’s 2021 annual legislative session, the Florida Legislature passed SB 76, legislating wide changes to…
Blog Posts | PERSONAL INJURY PROTECTION COVERAGE: A THING OF THE PAST IN FLORIDA?
May 03, 2021 | By J. Blake Hunter
Personal Injury Protection (PIP) coverage was first enacted in Florida in 1971. PIP is also known as no-fault insurance, and…
Blog Posts | Critical Analysis in the Claims Handling Process – One or Multiple Occurrences?
Apr 30, 2021 | By J. Blake Hunter
An issue that often arises when an insurer is determining whether a policy provides coverage for bodily injury or property…
Blog Posts | Florida Supreme Court unveils a revamped summary judgment rule just in time for the May 1, 2021 effective date.
Apr 29, 2021 | By Mihaela Cabulea
On December 31, 2020, the Florida Supreme Court issued an opinion amending Florida Rule of Civil Procedure 1.510 governing summary…
Blog Posts | Where Have You Driven a Ford Lately? Ford Motor Co. v. Montana Eighth Judicial District Court
Apr 15, 2021 | By Scott Hefner
Over the last few years, the Supreme Court has had a reputation as very pro-business. Late last month, however, the…
Blog Posts | FLORIDA’S NEW COVID-19 LIABILITY PROTECTION LEGISLATION: WHAT IT MEANS AND THE LEGAL EFFECT MOVING FORWARD
Apr 06, 2021
The COVID-19 pandemic has affected the state of Florida, and the country, in ways that were unimaginable one year ago….
Blog Posts | New Hampshire Confirms Sutton Doctrine Applies to College Dormitories
Mar 23, 2021
The determination of whether a tenant is also a coinsured under the landlord’s policy ultimately comes down to the language…
Blog Posts | The Unpredictability of Florida’s Supposedly Predictable Choice-of-Law Test
Mar 11, 2021 | By Ryan Hilton
For purposes of determining contract interpretation, Florida courts apply the lex loci contractus choice-of-law rule. The Supreme Court of Florida…
Blog Posts | Butler Feature | LinkedIn Pages
Feb 09, 2021
We are pleased to announce the launch of our new LinkedIn showcase pages. Our showcase pages are an extension of…
Blog Posts | The FAA’s New Digital License Plate Requirement for Drones
Jan 26, 2021 | By Ryan Hilton
The Federal Aviation Administration (“FAA”) has finalized a new rule that requires remote identification (remote ID) for drones,1 colloquially known…
Blog Posts | Covid and Coverage in the UK: Language Matters
Jan 25, 2021 | By John Garaffa
In a recent opinion, the UK Supreme Court has found coverage for business interruption as a result of business closures…
Blog Posts | How will Florida’s amended summary judgment standard affect bad faith cases?
Jan 04, 2021 | By Matthew Lavisky
The Florida Supreme Court ended 2020 with a bang! The Supreme Court amended Florida Rule of Civil Procedure 1.510 to…
Blog Posts | The Federal Summary Judgment Standard Comes to Florida State Courts on May 1, 2021
Dec 31, 2020 | By Mihaela Cabulea
Last year, the Florida Supreme Court signaled its intention to adopt the summary judgment standard articulated in the Celotex trilogy,…
Blog Posts | If the Sprinkler Pipes Fit, You Must Acquit
Dec 09, 2020 | By Abraham Mohammad Shakfeh
What Constitutes a Product under the Economic Loss Rule The Economic Loss Rule limits a defendant’s tort liability for defective…
Blog Posts | If I Wanted Your Opinion, I’d Give It To You
Dec 04, 2020 | By J. Blake Hunter
One developing area of Florida law is whether a public official can be held liable for defamation for statements written…
Blog Posts | Sparking Subrogation Recoveries by Investigating Electrostatic Discharge as the Cause of Fires and Explosions
Dec 03, 2020 | By Geoffrey Waguespack
As far back as 600 BC, the ancient Greek philosopher and scientist, Thales of Miletus, observed that, when amber was…
Blog Posts | North Carolina Settlements: Unsigned, Sealed, and Delivered
Dec 02, 2020 | By Scott Hefner
Covid-19 has turned mediations on their head. The parties are no longer together in well-appointed conference rooms trying to work…
Blog Posts | Apples and Oranges: Trials and Appeals
Dec 01, 2020
How many lawyers does it take to handle a case? Well, usually two, one for the trial and another one…
Blog Posts, News | THE MANY FACES OF MULTIPLE LIABILITY CLAIMS: TWO DIVERGENT OPINIONS FROM THE ELEVENTH CIRCUIT COURT OF APPEAL
Nov 13, 2020 | By Ryan Garrett, David Krouk
The Eleventh Circuit Court of Appeals recently released two opinions involving multiple liability claims against an insured with insufficient policy…
Blog Posts | The Changing Fact of Additional Insured Coverage
Nov 12, 2020 | By J. Blake Hunter
As a coverage attorney, I often find myself representing the liability insurers of both general contractors and subcontractors. When…
Blog Posts | What’s in a name?
Oct 30, 2020 | By Vincent Fernandez
What Plaintiffs call a “confidential settlement negotiation”. By any other name would be an “other paper” and establish the amount…
Blog Posts | 2020 Vision: A Bold New Look
Oct 28, 2020
Written by Andrea Romero-Fisher Butler recently embarked on a creative journey by designing a new website, which has officially launched…
Blog Posts | In South Carolina, Documents Outside the Pleadings May Be Utilized to Exclude Coverage
Oct 27, 2020 | By T. Nicholas Goanos
In third party coverage matters, the traditional test to determine whether an insured is entitled to a defense under a…
Blog Posts | Defining Occurrence – When Policy Definitions Do Not Apply To All Coverages
Sep 24, 2020 | By John Garaffa
On September 8, 2020 the United States Court of Appeals for the Eleventh Circuit issued its decision in Port Consolidated,…
Blog Posts | Heads I win, Tails You Lose: Southern Owners Insurance Company v. MAC Contractors
Sep 17, 2020 | By Julius “Rick” Parker III
On July 29, 2020, the Eleventh Circuit Court of Appeals issued its opinion in Southern Owners Ins. Co. v. MAC…
Blog Posts | Does the Pollution Exclusion Bar Coverage for Injuries Arising out of Viruses and Bacteria?
Sep 08, 2020
In policies without a specific bacteria or virus exclusion, the pollution exclusion may apply to exclude coverage for claims for…
Blog Posts | Amazon: Primed for Trouble?
Sep 04, 2020 | By Scott Hefner
Amazon recently suffered a loss when a California appellate court found that Amazon could be held strictly liable for defective…
Blog Posts | Common Sense” Conquers “Creative Pleading,” As The Eleventh Circuit Applies Narrow Exception To Florida’s “Four-Corners” Rule To Prevent Plaintiff From “Pleading Into Coverage”
Jul 28, 2020 | By Ryan Hilton
On July 23, 2020, the Eleventh Circuit Court of Appeals, applying Florida law, looked beyond an operative complaint to relieve…
Blog Posts | Made Whole Doctrine Does Not Apply To Deductibles in New Jersey
Jul 23, 2020 | By Scott Katz
The Supreme Court of New Jersey recently held that the made whole doctrine does not apply to deductibles or self-insured…
Blog Posts | To Wait or to Mediate?
Jul 22, 2020
A “Q&A” on Virtual Mediations in First-Party Property Lawsuits Q: Why is mediation used so frequently in insurance lawsuits? A:…
Blog Posts | Arbitration: An Effective Means To An End During Covid-19
Jul 15, 2020
These critical times of isolation and social distancing have proved to be difficult on many areas of the economy. The…
Blog Posts | Pretzel Logic: Cheetham V. Southern Oak And Its Ill-Begotten Progeny
Jun 29, 2020 | By Julius “Rick” Parker III
The standard ISO homeowners insurance policy contains an exclusion for damage caused by water which backs up through sewers or…
Blog Posts | Nevada Division Of Insurance Issues Notice To Property And Casualty Insurers Disallowing New Exclusions Related To Covid-19, Viruses, Or Pandemics
Jun 25, 2020 | By Jonathan Barger
ON JUNE 16, 2020, THE NEVADA DIVISION OF INSURANCE (“NVDOI”) ISSUED A NOTICE TO PROPERTY AND CASUALTY INSURERS regarding the…
Blog Posts | Major Appellate Jurisdictional Shifts In Florida: The Effects Are Yet To Be Determined
Jun 22, 2020 | By Mihaela Cabulea
ON JUNE 20, 2020, THE FLORIDA GOVERNOR SIGNED INTO LAW SENATE BILL 1392, which, among…
Blog Posts | IS AMAZON A SELLER? AN ISSUE PRIMED FOR STATE COURTS
Jun 19, 2020 | By Michael Wolfer
The tide is turning as another federal court declares that Amazon is responsible for third-party products purchased on its website….
Blog Posts | 13 Ways That Covid-19 Will Change The Insurance Industry
Jun 01, 2020
AUTOMOBILE INSURANCE 1. Some people will have permanent complications from the Coronavirus1, which will create a new population with pre-existing…
Blog Posts | The Made Whole Rule On The Forefront Of A Whole Lot Of Litigation
May 27, 2020 | By Aaron Jacobs
The Made Whole Rule and the handling of the insured’s deductible and uninsured losses alongside the subrogation claim remain ever-present…
Blog Posts | Can A Post-Suit Civil Remedy Notice Trigger Removal To Federal Court?
May 21, 2020
Can an insured’s post-suit Civil Remedy Notice demanding over $75,000 satisfy the amount-in-controversy diversity jurisdiction requirement and trigger the thirty-day…
Blog Posts | North Carolina’s Latest Appraisal Ruling Precludes Appraisal If Any Damages Dispute Exists
May 21, 2020 | By T. Nicholas Goanos
In the last 60 days, COVID-19 has affected us all. Federal and state governments have issued quarantine orders. Schools have…
Blog Posts | Pennsylvania Supreme Court Declines To Automatically Decide Questions Of Insurance Coverage For Covid-19
May 15, 2020 | By Richard Gable Jr.
The Joseph Tambellini Restaurant in Pittsburgh, Pennsylvania recently filed an Emergency Application for Extraordinary Relief to the Pennsylvania Supreme Court…
Blog Posts | It’s A Policy, Not A Payday Loan: The Voluntary Payments Provision Deconstructed
May 13, 2020 | By J. Blake Hunter
From time to time, the issue of whether an insurer has a duty to reimburse a payment made by an…
Blog Posts | Members Only: The Eleventh Circuit Restricts Membership To The “Illusory Coverage” Club To Narrow Set Of Circumstances
May 06, 2020 | By Yonit Rosengarten
The Doctrine of Illusory Coverage is a common law doctrine that Florida courts have confirmed is a part of Florida’s…
Blog Posts | Local Florida Governments have Issued Orders Suggesting Covid-19 caused Property Damage
Apr 15, 2020 | By Matthew Lavisky
DOES THIS MATTER FOR INSURANCE POLICY INTERPRETATION? Florida Governor Ron DeSantis issued an Executive Order declaring a state of emergency…
Blog Posts | Delay in Completion Coverage and the Coronavirus
Apr 13, 2020 | By K. Clark Schirle
States, counties and municipalities have issued “stay at home,” “shelter-in-place,” and other orders relating to COVID-19. Many orders require the…
Blog Posts | Duke V. Hoch Standard Survives Challenge in Eleventh Circuit
Apr 02, 2020
ELEVENTH CIRCUIT REJECTS MANDATORY INSURER INTERVENTION RULE IN CASES INVOLVING COVERED AND UNCOVERED DAMAGES In a recent decision, QBE Specialty…
Blog Posts | Civil Authority Coverage and the Coronavirus
Mar 18, 2020 | By K. Clark Schirle
WILL ORDERS ISSUED BY GOVERNMENTAL AUTHORITIES TO DEAL WITH THE CORONAVIRUS CRISIS TRIGGER CIVIL AUTHORITY COVERAGE? Governmental authorities across the…
Blog Posts | Passive Negligence and Common Law Indemnity
Mar 16, 2020
BROTHER’S PAINTING & PRESSURE CLEANING CORP. V. CURRY-DIXON CONSTRUCTION, LLC ET AL. 45 Fla. L. Weekly D259b Third District Court…
Blog Posts | Information or Indemnity: Do Certificates of Insurance Grant Insured Status?
Feb 28, 2020
Often, a person or entity that is attempting to claim additional insured status under the insurance policy of another will…
Blog Posts | Taking Interest in the Disinterested: Analyzing State Farm Florida Ins. Co. V. Crispin
Feb 11, 2020 | By Shaheen Nouri
Florida courts continue to refine the roles and limitations of appraisers in Florida property claims. Florida’s Fifth District Court of…
Blog Posts | Florida Supreme Court Rewrites the Rules
Jan 30, 2020 | By Mihaela Cabulea
FLORIDA SUPREME COURT REWRITES THE RULES, LIFTING RESTRICTIONS ON THE IMMEDIATE APPEAL OF ORDERS DENYING ABSOLUTE, QUALIFIED, OR SOVEREIGN IMMUNITY….
Blog Posts, Court Decisions | Insurer has No Duty to Enter into a Cunningham Agreement or to Agree to a Consent Judgment in Excess of Policy Limits
Jan 23, 2020
Kropilak v. 21st Century Ins. Co., 806 F.3d 1062 (11th Cir. 2015). Significance The court held that Florida law does…
Blog Posts, Court Decisions | District of New Jersey Rejects Waiver of Subrogation in Residential Solar Contract
Jan 23, 2020 | By Michael Wolfer
New Jersey Manufacturers Insurance Group v. Vivint Solar, Inc., 2018 WL 1003745 (D.N.J. 2018) Recently, Judge Sheridan of the District…
Blog Posts, Court Decisions | The Assault and Battery Exclusion and the Duty to Defend a Lawsuit Stemming from a Mass Shooting
Jan 23, 2020 | By Kimberly Ramey
The Shooting at The Hall Nightclub and Resulting Lawsuits On July 1, 2016, shots were fired inside The Hall nightclub…
Blog Posts, Court Decisions | Court Finds AIA Subrogation Waiver Inapplicable; Appeal Pending
Jan 23, 2020 | By Geoffrey Waguespack
In Liberty Mutual Fire Insurance Co. v. Fowlkes Plumbing LLC, 17-cv-010-GHD-DAS, 2018 WL 842169 (N.D. Miss. Feb. 12, 2018), the District…
Blog Posts, Court Decisions | Breaking: Proposed Amendment to Florida Statutes Creates Right of Contribution for Defense Costs
Jan 23, 2020 | By Kimberly Ramey
The Florida Legislature recently created a new cause of action for contribution among co-primary liability insurers. Under this new law,…
Blog Posts | And You are Not Done; The Future of Products Liability Claims Against Amazon Still Uncertain
Dec 18, 2019 | By Michael Wolfer
This past summer, the Third Circuit Court of Appeals issued a seminal opinion in Oberdorf v. Amazon.com, Inc., which held Amazon…
Blog Posts | A Brief Refresher on Appraisal in North Carolina, South Carolina, and Georgia
Nov 19, 2019 | By Roman Harper
INTRODUCTION Most first-party property coverage policies contain an appraisal provision that allows either the insured or the insurer to make…
Blog Posts | “Slow and Steady” or “Fast and Furious”: Repeated Seepage or Leakage Policy Exclusion Prevails
Nov 14, 2019 | By Shaheen Nouri
A recent ruling in a U.S. District Court in Missouri may suggest a new path for policy exclusions based on…
Blog Posts | Seeing May Soon be Believing: The Possible Expansion of Summary Judgment in Florida with Respect to Dash Camera Footage
Oct 29, 2019 | By Abraham Mohammad Shakfeh
Many transportation companies use dash cameras for purposes of defending against actions for liability. However, recently in Lopez v. Wilsonart, LLC,…
Blog Posts | The Evolving Limitations on Appraisers in Florida: Analyzing State Farm Florida Ins. Co. v. Sanders
Aug 13, 2019 | By Shaheen Nouri
Appraisers are frequently involved in Florida property claims. Accordingly, Florida courts continue to refine the roles and limitations with respect…
Blog Posts | Phenomenon or Pandemic: Pondering the Potential Legal Implications of the E-scooter Craze
Jul 19, 2019 | By William Linero Jr.
On July 12, 2019, YouTube celebrity Emily Hartridge died from injuries she sustained in a collision between an electric scooter…
Blog Posts | Amazon is subject to liability as “Seller,” rules the Third Circuit
Jul 08, 2019 | By Michael Wolfer
In my article last month, “Should Amazon be Liable for Products Sold in its Marketplace,” I discussed how the Fourth…
Blog Posts | Lights. Camera. Not an Action? Amendment to Section 558.004, Florida Statutes
Jun 14, 2019 | By William Linero Jr.
On July 1, 2019, Chapter 558, Florida Statutes, will be amended to add section 558.004(1)(d), which states: “A notice of claim…
Blog Posts | Should Amazon be Liable for Products Sold in its Marketplace?
May 30, 2019 | By Michael Wolfer
Amazon, the largest e-commerce website in the world and a member of the “Big Four” has repeatedly, and successfully, argued…
Blog Posts | The Final Word? The Florida Supreme Court Adopts the Daubert Standard for Evidence
May 29, 2019 | By J. Blake Hunter
Prior to 1993, federal and state courts used the standard enunciated in Frye v. United States, 293 F. 1013 (D.C. Cir….
Blog Posts | Know Your Lease: Florida’s 3rd District Revisits Subrogation in the Context of Landlord/Tenant Leases
Apr 29, 2019
Historically, a tenant who pays towards its landlord’s insurance premiums, pursuant to the terms of the lease, is generally considered…
Blog Posts, Court Decisions | Encouraging Proposals for Settlement in Florida: Old Dominion Ins. Co. v. Tipton
Apr 26, 2019 | By Shaheen Nouri
The topic of proposals for settlement in Florida is a dynamic one. Florida courts continue to shape and refine the…
Blog Posts | Breaking News! Florida AOB Reform Explained
Apr 26, 2019 | By Timothy Engelbrecht
The Florida Legislature just passed a bill that makes significant changes to the assignment of benefits (“AOB”) process in Florida….
Blog Posts | Notre Dame and Handling Tragic Losses
Apr 17, 2019 | By Michael Wolfer
Imagine you just received an email with the subject line “New Assignment – April 15, 2019 loss – Paris, France.”…
Blog Posts | Unsuccessfully Using Requests for Admissions as a Sword for Attorney’s Fees
Apr 15, 2019 | By J. Blake Hunter
As a defense attorney practicing in the areas of auto accidents, premises liability, and products liability cases, I observe plaintiff’s…
Blog Posts | Pennsylvania court rules insurer may still be responsible to pay RCV even if repairs never completed.
Mar 07, 2019
In situations where a property insurer denies coverage, the insured often complains that it is faced with a difficult dilemma…
Blog Posts | The Markovits Decision: Considerations and Implications
Feb 26, 2019 | By Shaheen Nouri
Recently, Florida’s First District Court of Appeal held that for purposes of determining the timeliness of a proposal for settlement,…
Blog Posts | Not Off the Hook…Trouble in Paradise for Puerto Rico Insurers
Feb 21, 2019
Recent legislative and judicial developments in Puerto Rico may very well have revived thousands of claims that insurers believed to…
Blog Posts | Diversity For Jurisdictional Purposes In Federal Litigation
Feb 18, 2019 | By Aaron Jacobs
Recently, I was speaking with a client, and we were discussing some of the unique issues subrogation professionals face on…
Blog Posts, Court Decisions | Lots of Cold Feelings in Pipe Freeze Claims
Feb 12, 2019 | By Michael Wolfer
A recent Pennsylvania decision highlights the difficulties and critical issues associated with identifying potentially liable parties in pipe freeze cases….
Blog Posts | Introducing the New Florida Supreme Court (from an Insurance Perspective)
Jan 25, 2019 | By Matthew Lavisky
Ron DeSantis, the newly sworn Governor of the State of Florida, was given a unique opportunity to remake the Florida…
Blog Posts | The Federal Aviation Authority Reauthorization Act of 2018 and Its Effect on Drones
Jan 15, 2019 | By Ryan Hilton, James Michael Shaw , Jr.
The Federal Aviation Authority (“FAA”) Reauthorization Act of 2018 (the “Act”) was signed into law on October 5, 2018, by…
Blog Posts | Checking the Vitals of Hospital Liens
Jan 14, 2019
Claims adjusters, plaintiffs’ attorneys and defense attorneys all deal with the headaches of hospital liens. And recent case law and…
Blog Posts | Offerors relax! Offerees take note! The technical requirements of rule 2.516 do not apply to proposals for settlement
Jan 07, 2019 | By Mihaela Cabulea
The Florida Supreme Court in Wheaton v. Wheaton, No. SC17-716, 2019 WL 99109 (Fla. Jan.4, 2019), resolved the district split on…
Blog Posts | Drone Accident Excluded Under CGL Policy’s Aircraft Exclusion
Dec 14, 2018 | By Ryan Hilton, James Michael Shaw , Jr.
In the most recent edition of our book, Butler on Drones, we reported that ISO has issued specific exclusions for unmanned…
Blog Posts | Florida Supreme Court gives green light to insurers to take immediate appeals of rulings that find no settlement reached
Oct 25, 2018
Attention liability insurers and their counsel – the Florida Supreme Court has given the green light to immediate appeals of…
Blog Posts | Recent Federal Court Decision May Alter the Reservation of Rights Landscape in South Carolina
Oct 10, 2018 | By T. Nicholas Goanos
The Current Precedent: Harleysville Group Insurance v. Heritage Communities, Inc. Only 15 months ago, in Harleysville Group Insurance v. Heritage Communities, Inc.,…
Blog Posts | Hurricane Florence: Civil Authority and Ingress/Egress Coverage
Sep 19, 2018 | By K. Clark Schirle
The hurricane may trigger civil authority or ingress/egress coverage for businesses that are not directly damaged but lose income because they…
Blog Posts | Hurricane Florence is aiming for the Carolinas
Sep 10, 2018 | By T. Nicholas Goanos, L. Andrew Watson
Hurricane Florence is rapidly intensifying into a major hurricane and is expected to make landfall later this week in North…
Blog Posts | Full Consent to Assignments
Sep 06, 2018 | By William Collum
Because there can be more than one individual or entity that holds an interest in the property, a property insurance…
Blog Posts | Not so Fast! The Confession of Judgment Doctrine in Dispute-Over-Amount Cases
Aug 16, 2018 | By Matthew Lavisky
Florida law allows an insured to recover attorney’s fees if the insured prevails in a lawsuit against the insurer for…
Blog Posts | This offer expires in 30 days! No automatic extensions says high court
May 21, 2018
The time to respond to a proposal for settlement can no longer be tolled by filing a motion to enlarge…
Blog Posts | Who Really Owns that Mitigation Company? Pennsylvania and New York Law Says it Matters if It’s the Public Adjuster
Apr 18, 2018
It is not unusual for an insurance adjuster to arrive at a new loss to find that the insured has…
Blog Posts | Florida Court Rules Against Insurer on Seepage/Leakage Exclusion
Feb 23, 2018 | By Timothy Engelbrecht
Florida first-party property insurers have seen a dramatic rise in the number of reported water loss claims over the past…
Blog Posts | Butler Wins Dismissal of a First-Party Bad Faith Claim Involving a Civil Remedy Notice That Listed a Different Household Policy
Jan 22, 2018 | By J. Pablo Cáceres
In Florida, an insured cannot bring a first-party bad faith claim based on a claim for UM coverage unless the…
Blog Posts | Eighty Years After Earhart: Congress Moves to Motivate and Facilitate Women In Aviation
Jan 18, 2018
The aviation industry is in dire need of a future workforce. This industry is already suffering from a shortage of…
Blog Posts | AOB Reform Bill Passes Florida House, Senate Future Uncertain
Jan 16, 2018 | By Timothy Engelbrecht
On January 12, 2018, the Florida House of Representatives passed a bill (HB 7015) that would dramatically affect the way…
Blog Posts | All Insurance Adjuster Offices Now Need a Head Honcho!: Florida Legislature Addresses Adjusting and Public Adjusting Firms
Jan 08, 2018
Florida House Bill 911, “An Act Relating to Insurance Adjusters” became law on January 1, 2018. In large part, the…
Blog Posts | FAA Releases Drone Identification and Tracking Report that the FAA Will Consider in Drafting its Final Rule on In-Flight Drone Accountability
Jan 05, 2018 | By Ryan Hilton
Law enforcement agencies want accountability when it comes to drone flights, especially when those flights are over people. Enabling a…
Blog Posts | Recreational Drone Registration Requirement Has Returned
Jan 05, 2018 | By Ryan Hilton
Back on December 21, 2015, the Federal Aviation Administration (FAA) required drone owners to register their drones if their drones…
Blog Posts | Drone Restrictions Over Certain Military Bases, Landmarks, and Department of Energy Facilities
Jan 04, 2018 | By Ryan Hilton
The Federal Aviation Administration’s (“FAA’s”) authority to institute airspace restrictions derives from 14 CFR § 99.7, “Special Security Instructions,” which…
Blog Posts | Duty to Initiate Settlement Negotiations Under Powell not Triggered Unless Liability is Clear
Dec 15, 2017 | By Matthew Lavisky
In a recent decision, the Eleventh Circuit Court of Appeals affirmed an important order of the United States District Court…
Blog Posts | Don’t Wreck Your Carmack Claim: Requirements for the Written Notice of Claim
Nov 09, 2017 | By Scott Hefner
Carmack claims are unique animals. Carmack provides a shipper—or its subrogating insurance company—with the sole remedy for damages sustained when goods…
Blog Posts | Contingency Fee Multipliers: Florida Supreme Court Rejects Rare and Exceptional Circumstances Requirement
Nov 06, 2017 | By Hudson Jones
Contingency fee multipliers increase attorney fee awards substantially. The general custom in American law is that each party is responsible…
Blog Posts, Court Decisions | Lee Memorial Health System V. Progressive Select Insurance Company
Oct 25, 2017 | By Joshua Golembe
Facts The case arises from an automobile accident when Ruben Gallegos was struck by a car and injured. Mr. Gallegos…
Blog Posts | Federal Judge finds post loss assignment of benefits proper under Pennsylvania law
Oct 24, 2017 | By Richard Gable Jr.
In a recent opinion, Judge Schmehl of the Eastern District of Pennsylvania denied a forced placed insurer’s Motion to Dismiss…
Blog Posts | Alabama and Mississippi Insurance Law Questions Following Hurricane Nate
Oct 19, 2017 | By Michael Montgomery
Hurricane Nate made landfall on the Mississippi Gulf Coast near the city of Biloxi on Sunday, October 8, 2017, as…
Blog Posts | Pennsylvania’s Highest Court Clarifies the Elements of a Statutory Bad Faith Cause of Action
Oct 05, 2017
For the first time, the Pennsylvania Supreme Court, the highest court in the state, enunciated the elements of a bad…
Blog Posts | A Primer on Florida’s “25 Percent Rule” for Roof Repair/Replacement
Sep 25, 2017 | By J. Pablo Cáceres
The 2014 Florida Existing Building Code (the “Code”) contains what is conventionally called the “25 percent rule” (the “Rule”). The Rule…
Blog Posts | The Rule of Sevens: Evaluating Claims Involving a Child
Sep 21, 2017 | By Zachary Jett
As subrogation professionals, we may be tasked with evaluating property loss claims where a child caused or contributed to the…
Blog Posts | Inadvertent Disclosure of Privileged Documents? Some Suggested Steps after the Initial Panic!
Sep 19, 2017
In the event of inadvertent disclosure of documents (electronic or otherwise), an attorney is ethically obligated to promptly notify the…
Blog Posts | Handling Assignment of Benefit (“AOB”) Claims in the Wake of Hurricanes Irma and Harvey
Sep 12, 2017 | By Timothy Engelbrecht, T. Nicholas Goanos, L. Andrew Watson
Hurricanes Irma and Harvey have damaged large areas of Florida, Texas, and Louisiana, as well as brought heavy rain and…
Blog Posts | Important Reminders for Adjusting Hurricane Claims
Sep 08, 2017 | By John Garaffa
The number of claims arising from a significant wind event such as Hurricane Irma can create intense time pressure on…
Blog Posts | Hurricane Irma Policy Laws by State
Sep 07, 2017 | By John Garaffa
This weekend Hurricane Irma, a Category 5 Hurricane, is expected to subject South Florida to potentially catastrophic wind, rain and…
Blog Posts | Hurricane Hindsight is 20/20
Sep 01, 2017 | By J. Pablo Cáceres
It took years of depositions and other discovery to realize that that most of my 2004-2005 hurricane condominium association claims were…
Blog Posts | The Common Interest Doctrine: Maintaining Confidentiality
Aug 29, 2017
While confidentiality is usually destroyed when communications between an attorney and client take place in the presence of a third…
Blog Posts | “It’s Not Old, It’s A Classic!”: Risk in Aging Aircraft with GARA Protecting Manufacturers
Aug 23, 2017
The General Aviation Revitalization Act of 1994 (“GARA”) was a byproduct of aging aircraft, rising costs, and tort liability in…
Blog Posts | Claim Barred by Florida’s Construction Defect Statute of Repose? Maybe Not. Florida Court Says You Should Read The Construction Contract More Closely
Aug 21, 2017
Claim professionals are often reminded that even the most meritorious claim is worthless if not filed within the applicable statute…
Blog Posts | The ABC’s of ACV in Subrogation Claims
Aug 15, 2017 | By Aaron Jacobs
Oftentimes, during the course of a subrogation claim, third-party liability adjusters will refuse to pay the full amount of the…
Blog Posts | To Fee or Not to Fee, That is the Question: The Florida Supreme Court Finds Coverage for Proposal for Settlement Sanctions in Favor of the Plaintiff Under an Automobile Liability Policy in Macedo II
Aug 09, 2017 | By J. Blake Hunter, Kathy Maus
To understand the implications of Macedo II, it is important to understand what brought us here. It’s a long and bumpy…
Blog Posts | Holy Harleysville! – The Rules Governing RORs, Intervention, and More in South Carolina Have Just Changed
Aug 08, 2017 | By T. Nicholas Goanos
For insurers, litigating third-party coverage disputes in South Carolina has always proved formidable. Insurers can be liable for “bad faith”…
Blog Posts | Still Keeping Us Guessing: Florida Supreme Court Poised to Clarify The Daubert Standard in Florida. Maybe.
Aug 04, 2017
Is it safe to use the Daubert standard of the new section 90.702, Florida Statutes, to exclude your opponent’s expert testimony? Do…
Blog Posts | The Continuing Saga of Sebo v. American Home Assurance Company: The Second District Court of Appeal Rules on Remand
Jul 26, 2017
On July 20, 2017, the Second District Court of Appeal issued an order that closed its books on the Sebo appeal. Mr….
Blog Posts | That Sinking Feeling: Sinkholes, Florida Law, and Some Questions Raised by The Recent Collapse in Land O’ Lakes
Jul 25, 2017 | By John Garaffa, Jason Seitz
The recent catastrophic ground cover collapse in Land O’Lakes attributed to a sinkhole highlights the unique aspects of Florida geology…
Blog Posts | Subrogation Following a Hurricane is All Hands on Deck
Jul 18, 2017 | By Matthew Peaire
Hurricane season began June 1st, and runs through November 30th. However, we are about 30 days from approaching the peak…
Blog Posts | The Innocent Co-Insured: Underestimating Definite and Indefinite Articles
Jul 17, 2017
I begin this with the following caveat for all my grammar gurus out there: I understand that the word “any”…
Blog Posts | New Laws passed in Florida and Oregon add to Varying State Drone Regulations
Jul 14, 2017
Florida and Oregon have both recently changed their Unmanned Aircraft Systems “UAS” (or “drone”) regulations, joining the vast majority of…
Blog Posts | Ransomware is taking the world by storm; does insurance respond?
Jul 13, 2017 | By John Garaffa, K. Clark Schirle
On June 27, 2017, the world had its second major ransomware attack in two months, and experts are predicting more…
Blog Posts | Earth Movement: “Any” Means Any; Home-Owners Insurance Company v. Dominic F. Andriacchi (Michigan Court of Appeals)
Jul 05, 2017 | By K. Clark Schirle
Property policies typically include an exclusion for loss caused by or resulting from earth movement. Some insurers will provide coverage…
Blog Posts | Bottini v. GEICO: Parties to Bad Faith Action Not Bound by $30.8 million-dollar Verdict Without Appellate Review
Jun 22, 2017
Background: For years, when a bad faith action was brought pursuant to a jury verdict in excess of policy limits in…
Blog Posts | Florida’s Third District Court of Appeals provides a warning with negligent procurement action.
Jun 20, 2017
In Kendall South Medical Center v. Consolidated Insurance Nation, No. 3D16-926, 2017 WL 1908376, *1 (Fla. 3d DCA May 10, 2017),…
Blog Posts | The D.C. Court of Appeals Just Scrapped the Drone Registry and May Have Also Turned Homeowners Insurers into Aviation Insurers
May 24, 2017 | By Tracy Jurgus, James Michael Shaw , Jr.
Model-aircraft hobbyist John Taylor didn’t want to register his model aircraft with the FAA pursuant to the newly created drone…
Blog Posts | Insurance Proceeds Payable to Tenant Diverted to Pay for Property Owner’s Back Taxes
May 19, 2017
The Third Circuit Court of Appeals sitting in Pennsylvania recently issued a precedential decision that interpreted the definition of a…
Blog Posts | Supreme Court says lawyer’s referral of client to a doctor for treatment is attorney-client privileged communication, and out of bounds in discovery
Apr 14, 2017
The Florida Supreme Court declared that the attorney-client privilege shielded a motor vehicle accident plaintiff from being required to disclose…
Blog Posts | The Answers to Some of Your Questions About What Airlines Can Do When a Flight is Overbooked and Someone Is Going to Have to Get Off of the Plane
Apr 13, 2017 | By James Michael Shaw , Jr.
Suddenly, the entire world is interested in learning about the laws governing airlines’ actions when a flight is overbooked. It…
Blog Posts | A Federal Court in Kentucky Shoots Down Drone Airspace Case
Apr 05, 2017
The Western District of Kentucky recently granted a motion to dismiss for lack of subject matter jurisdiction, determining that there…
Blog Posts | Florida Supreme Court To Consider Rule Change Allowing Immediate Review Of Orders On Settlement Agreements
Apr 03, 2017
The Florida Bar Appellate Rules Committee has proposed to the Florida Supreme Court an amendment to the appellate rules that…
Blog Posts, Court Decisions | District Judge in New Jersey Rules Waiver of Subrogation Provision in Residential Lease Is Unenforceable
Mar 22, 2017 | By Michael Wolfer
Allstate New Jersey Insurance Company v. AvalonBay Communities, Inc., Case No. 16—5441, 2017 WL 1095473 (D.N.J. March 22, 2017). Background…
Blog Posts | Pennsylvania Superior Court adopts narrow interpretations of surface water exclusion and ensuing loss clause
Mar 21, 2017 | By Richard Gable Jr.
In the Ridgewood Group LLC v Millers Capital Insurance Company, No. 1138 EDA 2016, February 27, 2017, the Superior Court of…
Blog Posts | 2017 Florida State Legislature to Consider Bills Aimed at Assignments of Benefits, Water Losses, Appraisers, and Umpires
Mar 14, 2017
The 2017 Florida Legislative Session convened on March 7. Of particular interest to property insurers are the following bills, which…
Blog Posts | Federal Diversity Jurisdiction: Proving Citizenship of Limited Liability Companies
Mar 07, 2017 | By Hudson Jones
Jurisdiction gives a federal court the power to hear a case. Jurisdiction matters at the outset of a lawsuit. It…
Blog Posts, Court Decisions | Eleventh Circuit Challenges Diversity Jurisdiction and Vacates Summary Judgment
Mar 02, 2017
Thermoset Corporation v. Building Materials Corp. of America, No. 15—13942, 2017 WL 816224 (11th Cir. March 2, 2017) Significance This case…
Blog Posts | New Medicare Conditional Payment Case: Federal Court Requires Cms to Perform Surgery on its Primary Plan Reimbusement Demands
Feb 27, 2017
Doctors often treat Medicare beneficiaries for accident-related injuries (for which a “primary” auto or workers’ compensation carrier must reimburse Medicare)…
Blog Posts, Court Decisions | Florida Third Dca Finds No Irreparable Harm Justifying Certiorari in Action Abated to Allow Insurer to Proceed on its Election to Repair
Feb 22, 2017
Hernandez v. Florida Peninsula Insurance Company, No 3D16—415, 2017 WL 697727 (Fla. 3d DCA Feb. 22, 2017) Summary The insureds…
Blog Posts | Supreme Court speaks on Daubert – says not much
Feb 21, 2017
Last week the supreme court issued its opinion on the recommendations of the Florida Bar Rules committee regarding the new Daubert…
Blog Posts | Surplus Insurers, Too, Can Rely on the Application to Interpret Policy
Feb 16, 2017 | By Fay Ryan
Section 627.419 of the Florida Statutes provides that “[e]very insurance contract shall be construed according to the entirety of its…
Blog Posts, Court Decisions | Florida Court Reverses Order Compelling Appraisal on 11-year-old Hurricane Wilma Claim for Failure to Comply with all Post-loss Conditions
Feb 15, 2017
State Farm Florida Insurance Company v. Fernandez, No. 3D16—1441, 2017 WL 621247 (Feb. 15, 2017) Significance The Third DCA held…
Blog Posts, Court Decisions | Florida Court Holds Questions of Fact Were Created as to Whether Insured Substantially Complied with Post-loss Obligations and Whether Insurer was Prejudiced by Insured’s Untimely Compliance
Feb 08, 2017
State Farm Florida Insurance Company v. Figueroa, No. 4D15—2698, 2017 WL 514361 (Fla. 4th DCA Feb. 8, 2017) Significance In…
Blog Posts | Safeguarding Every Veteran’s Benefits: Lessons from Bruce V. Mcdonald, 2017 Wl 57172
Jan 18, 2017 | By John Garaffa
On January 5, 2017, the United States Court of Appeals for Veterans Claims rejected the assertion by the Veteran’s Administration…
Blog Posts | What Is An Offer of Judgment And Can It Really Lower the Cost of or Shorten Litigation?
Jan 11, 2017 | By Timothy Engelbrecht, T. Nicholas Goanos
Insurance coverage litigation today is often time-consuming and expensive. Many cases include claims for “bad faith” damages, and some cases…
Blog Posts | Trial Court Slips and Falls in Granting Motion for New Trial
Dec 06, 2016
On October 21, 2016, Florida’s Second DCA issued a decision in a slip-and-fall case against Wal-Mart that found the trial…
Blog Posts | Johnson v. Omega Ins. Co.
Nov 22, 2016
Johnson v. Omega Ins. Co., 2016 WL 5477795 (Fla. Sept. 29, 2016) The Florida Supreme Court’s opinion in Johnson v. Omega…
Blog Posts, Court Decisions | Florida Supreme Court Strengthens use of Proposals for Settlement by Plaintiffs Seeking Attorney Fees Against Defendants with Joint and Several Liability
Nov 03, 2016 | By Brian Webb
Anderson v. Hilton Hotels Corp., Case No. SC15—124, 2016 WL 6538663 (Fla. Nov. 3, 2016). Significance The Florida Supreme Court…
Blog Posts | Southern District Refuses to Remand Unremovable Case
Nov 02, 2016 | By Julius “Rick” Parker III
On September 21, 2016, a District Judge in the Southern District of Florida denied a plaintiff’s motion to remand a…
Blog Posts, Court Decisions | Florida Supreme Court Relaxes Strict Construction for Proposals for Settlement
Oct 20, 2016
Kuhajda v. Borden Dairy Co. of Ala., LLC, No. SC15—1682 (Fla. Oct. 20, 2016) In an opinion by Justice Canady,…
Blog Posts | Understanding How Insurance Policy Conditions Apply When There is an Assignment of Benefits
Oct 20, 2016 | By Timothy Engelbrecht
Florida first-party property insurers have seen a dramatic rise in assigned insurance claims. In the typical scenario, an insured assigns…
Blog Posts | Eleventh Circuit Finds Mere Existence Of Insurance Contract Satisfies Condition Precedent To Action For Double Damages Under The Medicare Secondary Payer Act
Oct 06, 2016
The Eleventh Circuit Court of Appeals recently held that a private insurance company/PART C Medicare Advantage Organization (MAO) may sue…
Blog Posts | A “Top Ten” List for Handling Condominium Association Claims
Oct 06, 2016 | By J. Pablo Cáceres
Condominium association property claims can be contentious and confusing. Large condominium buildings often are the subject of multi-million dollar insurance…
Blog Posts | Eleventh Circuit Affirms Judgment Notwithstanding the Verdict in UIM Bad Faith Case
Oct 05, 2016 | By Kathy Maus, Julius “Rick” Parker III
On Friday, September 30, 2016, the Eleventh Circuit Court of Appeal affirmed a renewed motion for judgment as a matter…
Blog Posts | A Synergistic Team: How to Help Us Help You
Aug 22, 2016
Making the rounds lately have been a number of articles and “Top 10” lists on how outside counsel can provide…
Blog Posts, Court Decisions | North Carolina Court of Appeals Holds that Admission of Affidavit in Support of Motion for Summary Judgment Served to Plaintiff at Least two Business Days Prior to Hearing was not Abuse of Discretion
Aug 16, 2016
Boling v. Greer and Estes Express Lines, Inc., No. COA15—681, 2016 WL 4367256 (N.C. App. Aug. 16, 2016) BACKGROUND This…
Blog Posts | Front Pay & Back Pay: How About No Pay?
Aug 04, 2016
In Caterpillar Logistics Services, Inc. v. Amaya, 2016 WL 822020 (Fla. 3d DCA July 13th, 2016), Rudolph Amaya suffered an on-the-job…
Blog Posts | Second DCA Reaffirms Sinkhole Insurers’ Contractual Right to Withhold Payment for Subsurface Repairs Until the Policyholder Presents a Signed Contract for Those Repairs
Aug 01, 2016
Two new opinions show the Second DCA continues to hold that if an insurance policy providing sinkhole coverage authorizes the…
Blog Posts | Second DCA Reaffirms Orders Allowing Assignment of Homeowners’ Insurance Claims to AOB Companies
Jul 25, 2016
In Start to Finish Restoration LLC v. Homeowner’s Choice Property & Cas. Ins. Co., 2D15-2206 (Fla. 2d DCA June 10, 2016),…
Blog Posts | Second DCA Refuses to Allow Insurer to Obtain Settlement Information from Settling Co-Defendant
Jul 18, 2016
In Allen v. State Farm Florida Ins. Co., 2D15-3114 (Fla. 2d DCA June 10, 2016), a sinkhole plaintiff sued two insurers…
Blog Posts | A Look at an Insured’s Post-Loss Duty to Cooperate: Exactly How Much Cooperation is Necessary?
Jul 07, 2016
The Eleventh Circuit Court of Appeals reaffirmed that an insurer is entitled to summary judgment when its insured fails to…
Blog Posts, Court Decisions | Homeowners’ Pre-loss Subrogation Waiver Upheld
Jul 01, 2016
Allstate Insurance Company v. ADT, LLC, formerly known as Brinks Home Security, Inc. and/or Broadview Home Security, Inc., No. 1:15—cv—517, 2016 WL…
Blog Posts | Treading Water: Florida Office of the Insurance Consumer Advocate Holds Forum on Florida’s Ongoing Water Loss Crisis
Jun 24, 2016
On June 14, 2016, the Department of Financial Services Consumer Advocate held a public forum in Boca Raton called, “Troubled…
Blog Posts | Proposals For Settlement Must Strictly Follow the Rules
Jun 07, 2016
A recent Fourth District Court of Appeals case invalidated proposals for settlement for a technical foul. The source of the…
Blog Posts | Ochoa v. Koppel
May 20, 2016
The Second District Court of Appeal, on May 20, issued a ruling that the filing of a motion to enlarge…
Blog Posts, Court Decisions | Tennessee’s Economic Loss Rule Still Applies Only to Purely Economic Losses
May 06, 2016 | By Zachary Jett
SPO GO Holdings, Inc., v. W&O Construction Company, Inc., and the City of Spring Hill, Tennessee, 2016 WL 2607005 Please…
Blog Posts | Court Addresses AOBs and Standing to Sue
Apr 26, 2016 | By Timothy Engelbrecht
Butler has been at the forefront of defending insurers against the tidal wave of assignment of benefit (“AOB”) litigation that…
Blog Posts | In North Carolina, Impleading the Claimant Isn’t Always Necessary in a Third Party Coverage Action
Apr 14, 2016 | By T. Nicholas Goanos
The Bottom Line Up Front A recent decision by a U.S. District Court in North Carolina, applying North Carolina law,…
Blog Posts | Have You Looked at Your Product Manual Lately?
Apr 04, 2016
Product manuals are routinely offered into evidence at product liability trials. Manuals may be introduced by the plaintiff to demonstrate…
Blog Posts | Southern District Applies Fridman v. Safeco to Preclude Bifurcation
Apr 01, 2016 | By Julius “Rick” Parker III
Following the issuance of the Supreme Court’s decision in Fridman v. Safeco, the Southern District of Florida had occasion to consider…
Blog Posts | Insured is Entitled to a Determination of Liability and Damages in a UIM Case Despite the Insurer’s Confession of Judgment
Mar 31, 2016 | By Julius “Rick” Parker III
The Florida Supreme Court recently resolved a conflict among Florida’s lower state and federal courts regarding an insured’s right to…
Blog Posts, Court Decisions | Payment of an appraisal award is not necessarily a confession of judgment as a matter of law
Mar 23, 2016
State Farm Florida Ins. Co. v. Lime Bay Condo., Inc., No. 4D13—4802, 2016 WL 1128489 (Fla. 4th DCA Mar. 23,…
Blog Posts | Court Addresses AOBs and Appraisal
Mar 23, 2016 | By Timothy Engelbrecht
Butler has been at the forefront of defending insurers against the tidal wave of assignment of benefit (“AOB”) litigation that…
Blog Posts | Middle District Denies Remand in Removed Uim Case
Feb 26, 2016 | By Julius “Rick” Parker III
On January 22, 2016, Judge Gregory Presnell of the Middle District of Florida entered an order denying Plaintiff’s Motion to…
Blog Posts | Drone Wars: Will The Litigation Awaken?
Feb 16, 2016
Recent lawsuits in California and Kentucky have involved claims by drone owners against neighbors for shooting down drones flying over…
Blog Posts | Court Reverses Judgment for Insurer Invalidating AOB
Feb 10, 2016 | By Timothy Engelbrecht
Butler has been at the forefront of defending insurers against the tidal wave of assignment of benefit (“AOB”) litigation that…
Blog Posts, Court Decisions | The Owner of an Insured Commercial Vehicle may Recover Loss-of-use Damages When that Vehicle is Rendered a Total Loss
Feb 02, 2016
J & D Towing, LLC v. Am. Alternative Ins. Corp., 59 Tex. Sup. Ct. J. 214 (Tex. 2016) Significance The…
Blog Posts | Court Affirms Judgment for Insurer Invalidating AOB
Jan 28, 2016 | By Timothy Engelbrecht
Butler has been at the forefront of defending insurers against the tidal wave of assignment of benefit (“AOB”) litigation that…
Blog Posts | An Introduction to the Butler Specialty Trial Team
Jan 13, 2016 | By Scott Frank
Since our inception in 1979, one thing has become abundantly clear: Whenever a case must go to trial, achieving a…
Blog Posts, Court Decisions | District of South Carolina Addresses Vagueness of General Verdict and Bad Faith Allegation for Failure to Warn Insured
Dec 17, 2015
District of South Carolina Addresses Vagueness of General Verdict and Bad Faith Allegation for Failure to Warn Insured When facing…
Blog Posts | Courts are for Coverage; Appraisals are for Amount
Dec 10, 2015
When insurers dispute coverage, rather than the amount of loss, a court is an appropriate decision-maker to resolve the coverage…
Blog Posts | The Emperor’s New Claims
Dec 08, 2015
An insurer has no duty to defend a Complaint that fails to state a cause of action as a matter…
Blog Posts | West Virginia Supreme Court Allows Landlord’s Subrogation against Tenant
Nov 16, 2015 | By Dean Rauchwerger
The West Virginia Supreme Court of Appeals recently opened the door further for a landlord’s insurer subrogating against a tenant…
Blog Posts | What the Second District Giveth, The Supreme Court Taketh Away
Nov 02, 2015
Florida Supreme Court rules that evidence of future Medicare or Medicaid benefits is not admissible as an exception to the…
Blog Posts | When Revenge Is Not So “Sweet”: The Wages of “Revenge Porn” under Florida’s New Cyber Harassment Statute
Oct 28, 2015 | By John Garaffa
The internet has proven to be a boon for commerce and, sadly, yet another vehicle for some to lash out…
Blog Posts | Florida’s 4th DCA Enforces Limit on Expert Discovery
Oct 22, 2015
Inconsistencies between the defense expert’s interrogatory answers and his deposition testimony regarding the percentage of income the doctor derived from…
Blog Posts | What to do with racist employees?
Oct 21, 2015
Based on my experience dealing with employers and sharing war stories with fellow employment lawyers, I think it’s fair to…
Blog Posts | Married to the Church: Potential Implications of Obergefell in the Context of Religious Discrimination
Oct 15, 2015
The Supreme Court’s recent decision in Obergefell v. Hodges[1] may have far-reaching implications in the world of religious organizations opposed to…
Blog Posts | Unprotected: Florida Appellate Court Holds Protective Safeguard Condition Is Not A Condition Precedent To Coverage
Sep 28, 2015
A Florida appellate court recently held that the breach of a protective safeguard condition did not automatically suspend coverage. Depositors…
Blog Posts, Court Decisions | Policyholder Bears the Burden of Proving Efficient Proximate Cause and Ensuing Loss Under an All-risks Policy
Sep 25, 2015
Peek v. Am. Integrity Ins. Co. of Fla., No. 2D14—780, 2015 WL 5616294 (Fla. 2d DCA Sept. 25, 2015). SIGNIFICANCE…
Blog Posts | Business Interruption Losses: The Interruption Must Be Caused By The Insured Physical Damage
Sep 16, 2015 | By K. Clark Schirle
Business interruption insurance is designed to compensate an insured for its actual business interruption losses resulting directly from physical damage…
Blog Posts | NJ: Insurers Still On The Hook To Pay Innocent Parties Under Fraudulent Policies
Sep 08, 2015
New Jersey’s Supreme Court recently held that an innocent third party can recover under an insurance policy procured by fraud…
Blog Posts | La. Federal District Court Greatly Expands the Duty to Preserve in Response to a Litigation Hold Notice
Aug 27, 2015
A recent decision from the Western District of Louisiana raises new questions as to the traditional protocols followed in preserving…
Blog Posts | Insurers Don’t Sleep on Your Rights: Insurer’s Motion to Intervene Denied as Untimely
Aug 11, 2015 | By Richard Gable Jr.
A federal court judge recently denied a liability insurer’s request to intervene in a suit involving its insured for the…
Blog Posts, Court Decisions | Middle District says j(5) exclusion doesn’t apply if the operation the insured was performing at the time of the accident was monitoring to prevent damage
Aug 10, 2015
Essex Ins. Co. v. Kart Const., Inc., No. 8:14—CV—356—T—23, 2015 WL 4730540 (M.D. Fla. Aug. 10, 2015) In Kart, the insured sought…
Blog Posts, Court Decisions | No short-cuts: Southern District rejects rigid rule concerning “last act necessary to execute the contract” under lex loci contractus
Aug 05, 2015
Sun Capital Partners, Inc. v. Twin City Fire Ins. Co., Inc., No. 12—CV—81397—KAM, 2015 WL 4648617 (S.D. Fla. Aug. 5,…
Blog Posts, Court Decisions | Insurer Must Show It Has Been Prejudiced By Insured’s Breach of Protective Safeguard Condition
Jul 24, 2015
Depositors Ins. Co. v. CC & C of Lake Mary, LLC, No. 5D14—2206, 2015 WL 4486563 (Fla. 5th DCA July…
Blog Posts | Litigation Benefits to Manufacturers of Tracking Accidents
Jul 22, 2015
Diligent, proactive tracking of accidents or product failures resulting in personal injury can provide significant benefits to manufacturers in defending…
Blog Posts | Unmasking Anonymous Internet Commenters: Washington State Latest Jurisdiction to Set Standard
Jul 21, 2015
Look at any website that permits the public to post comments, and you are likely to see derogatory commentary posted…
Blog Posts, Court Decisions | The South Carolina Supreme Court Holds that Assignments of Legal Malpractice Claims between Adversaries in Litigation are Void as Against Public Policy
Jul 15, 2015
Skipper v. ACE Property and Cas. Ins. Co., No. 2014—001979, 2015 WL 4269817 (S.C. July 15, 2015) Background A husband and…
Blog Posts, Court Decisions | Insured Homeowner must Comply with all Post-Loss Obligations before Invoking the Appraisal Provision
Jun 17, 2015
State Farm Florida Ins. Co. v. Hernandez, No. 3D13—2263, 2015 WL 3757773 (Fla. 3d DCA June 17, 2015) Significance The…
Blog Posts | Judge: No Data Breach Negligence In PA
Jun 12, 2015
A trial judge in Pennsylvania recently dismissed a class-action suit by more than 60,000 health system employees against their employer…
Blog Posts | Post-Complaint Communications by Insurer’s Employees Protected from Discovery in Bad Faith Litigation
Jun 10, 2015
A federal district court held that insurance company employees’ mental impressions recorded after the filing of a complaint constitute protected…
Blog Posts, Court Decisions | 558 notice does not trigger duty to defend where policy obligates insurer to defend “suits”
Jun 04, 2015
Altman Contractors, Inc. v. Crum & Forster Specialty Ins. Co., No. 13—80831-CIV, 2015 WL 3539755 (S.D. Fla. June 4, 2015)…
Blog Posts | Southern District of Florida Awards Duplicate Medicare Lien Payment
Jun 04, 2015 | By Ryan Garrett
In a puzzling decision on the resolution of Medicare liens entered on March 16, 2015, the United States District Court…
Blog Posts | The Florida Supreme Court Endorses Citizens’ Immunity
Jun 02, 2015
On May 14, 2015, the Supreme Court of Florida handed down an important victory to Citizens Property Insurance Corporation. The…
Blog Posts | Construction Law Updates: Teeth Taken Out Of HB 87 Regarding Updates To Procedure For Filing A Chapter 558 Notice Of Construction Defect Claim
Apr 28, 2015 | By William Linero Jr.
Two bills were put before Florida’s House of Representatives this year that would have significantly affected litigation in Florida involving…
Blog Posts | Can an Insured Sue His Adjuster When the Insured is Injured Cleaning Debris, Because the Adjuster Incorrectly Denied Coverage for Debris Removal?
Apr 09, 2015
Imagine a gigantic tree limb weighing over 7,000 lbs falling onto your home. You dutifully call your insurance company to…
Blog Posts | Fourth Circuit Sets Stage For Interpreting Contingent Business Interruption
Apr 08, 2015
The Fourth Circuit of Appeals recently construed policy language regarding coverage for contingent business interruption (“CBI”) in a case that…
Blog Posts | It’s a “Storm Surge” — not a “Flood”!
Apr 06, 2015
A New Jersey trial court held this week that storm surge from Superstorm Sandy was not included in a policy’s…
Blog Posts | The Implications of Another Final Four: Northwestern Football, the NCAA, the NLRB & The College Athletes Players Association
Apr 06, 2015
It’s that time of year, again, when we have all been whipped into a frenzy over Cinderella tales, upsets, and…
Blog Posts | “Physical” Damage Without Any Tangible Change – New Jersey Federal Court Continues the Expansion of “Physical” Loss or Damage
Mar 05, 2015
New Jersey courts continue to expand traditional notions of physical loss or damage in a recent decision of the New…
Blog Posts, Court Decisions | Structural Damage’ Means ‘Damage That Impairs the Structural Integrity of the Building’
Feb 27, 2015
Hegel v. The First Liberty Insurance Corporation, No. 14—10549, 2015 WL 821146 (11th Cir. Feb. 27, 2015) Significance The Eleventh…
Blog Posts | The Case of the Millennial Juror
Feb 25, 2015
Reprinted from DRI Labor & Employment Law Blog As Employment Litigators, we are always mindful of the varied perspectives, cultural…
Blog Posts | Section 230 of Communications Decency ActMay Not Provide Safe Harbor from State Criminal Law for Website Operators
Feb 23, 2015
Website operators beware: There are limitations on the immunity offered under federal law for offensive content posted by others. Recently,…
Blog Posts, Court Decisions | Water Exclusion Bars Coverage for Damage to Pool Deck Resulting from Subsurface Water Pressure
Feb 13, 2015
Liberty Mutual Fire Insurance Company v. Martinez, No. 5D13—2683, 2015 WL 585550 (Fla. 5th DCA February 13, 2015) Significance Damage…
Blog Posts, Court Decisions | Summary Judgment Appropriate in Late Notice Case
Feb 11, 2015
Marbella Condominium Association Inc. v. Citizens Property Insurance Corporation, No. 3D14—1336, 2015 WL 557202 (Fla. 3d DCA Feb. 11, 2015)…
Blog Posts | Does Florida’s statutory duty to disclose insurance information apply to out-of-state policies?
Feb 10, 2015 | By Fay Ryan
One of the most common questions I get from insurers of out-of-state policyholders is whether they are required to honor…
Blog Posts, Court Decisions | An Expert Affidavit Based on Material Factual Information that is Inconsistent with Plaintiff’s Prior Sworn Statement is Insufficient to Avoid Summary Judgment for the Defendants
Feb 04, 2015
Smith v. Lakeview Center, Inc., 2015 WL 7432214 (Fla. 1st Cir. Feb. 4, 2015); aff’d, Case No. 1D15-1058 (Fla. 1st DCA…
Blog Posts | The Season of Giving: Pennsylvania Supreme Court Finds Bad Faith Claims to be Assignable
Jan 20, 2015 | By Richard Gable Jr.
Rejecting the holdings of two recent decisions by the Eastern District of Pennsylvania, the Supreme Court of Pennsylvania held in…
Blog Posts | New Jersey Judges Not Permitted to Speak Ex Parte with Jurors
Jan 15, 2015
On December 23, 2014, the New Jersey Supreme Court held that New Jersey state court judges are not permitted to…
Blog Posts | Trying to Upend the Workers’ Compensation Act in Florida
Jan 13, 2015 | By David Mercer
A recent and unusual opinion out of the Circuit Court for Miami-Dade County may, at the minimum, be a harbinger…
Blog Posts | Pennsylvania Supreme Court to Decide Need for Valuable Consideration in Non-Compete Agreement
Jan 09, 2015
In what will be a case of the first impression, the Pennsylvania Supreme Court has agreed to hear argument on…
Blog Posts | New Jersey Supreme Court Clarifies Narrow Scope of Adverse Inference Standard for Missing Expert Witness
Dec 03, 2014
Most defense attorneys have been faced with a situation where their expert’s opinion is not as strong as expected, or…
Blog Posts | Pennsylvania Supreme Court Revises Strict Liability Law
Nov 25, 2014
On November 19, 2014, the Pennsylvania Supreme Court issued its long-awaited decision in Tincher v. Omega Flex, Inc., in which it…
Blog Posts | Is Texas Following Florida’s Lead On Changing The Economic Loss Rule?
Oct 13, 2014
Practicing in both Florida and Texas I have seen the Economic Loss Rule evolve over the years, and its direct…
Blog Posts | When It Comes to Sinkholes, Contracts, Statutes and Regulations Do Matter
Sep 26, 2014 | By John Garaffa
On August 21, 2014, the United States Court of Appeals for the Eleventh Circuit vacated the decision of the U.S….
Blog Posts, Court Decisions | Excess Verdict From UM Trial Is Binding In Subsequent Bad-Faith Trial
Sep 17, 2014
Geico General Insurance Co. v. Paton, No. 4D12—4606, 2014 WL 4626860 (Fla. 4th DCA Sept. 17, 2014) Significance Florida’s Fourth…
Blog Posts | The Tripartite Relationship and Unintended Consequences
Sep 08, 2014
It’s not often an attorney has the opportunity to comment on a significant case, especially where he is also one…
Blog Posts, Court Decisions | Eleventh Circuit Affirms Summary Judgment For UM Insurer, Upholding Realignment of Parties, Diversity, and Standing
Aug 27, 2014
Drew v. Safeco Insurance Company of Illinois, Case No. 13—14514, 2014 WL 4215441 (11th Cir. Aug. 27, 2014) Significance On…
Blog Posts | Bad Faith: Turns Out, Abnormal in Alabama Really Is Normal
Aug 26, 2014 | By Michael Montgomery
A few years ago, I published an article that questioned whether Alabama’s tort of bad faith was becoming more prevalent…
Blog Posts | Through The Eyes of a Child: What DOES a Lawyer Do?
Aug 19, 2014 | By L. Andrew Watson
My 7-year-old daughter recently asked me, “What does a lawyer actually do?” She has been to my office many times…
Blog Posts, Court Decisions | Ninth Circuit Holds One-Year Removal Deadline in Diversity Cases Can Be Waived
Aug 04, 2014
Smith v. Mylan Inc., No. 12—-56028, 2014 WL 3805443 (9th Cir. Aug. 4, 2014) Significance In Smith v. Mylan Inc., the…
Blog Posts | Attorney-Expert Communications Are Now Protected in PA
Jul 24, 2014 | By Richard Gable Jr.
Falling in line with the Federal Rules of Civil Procedure, the Supreme Court of Pennsylvania ordered that Rule of Civil…
Blog Posts | The Emperor’s New Property Damage?
Jul 24, 2014
For many years, Florida courts appeared to say that general liability insurance policies did not cover a subcontractor’s faulty work…
Blog Posts | Sports Laws Focusing More and More on Youth Sports
Jul 24, 2014 | By Michael Montgomery
Youth sports have become a year-round, multi-million dollar industry. From travel teams to club ball, to off-season workouts, the concept…
Blog Posts | Feng Shui: Direct Physical Loss Does Not Include Damage to Invisible Forces
Jul 22, 2014 | By Richard Gable Jr.
A federal judge recently ruled that an insurer was not obligated to pay $50,000 for a feng shui consultant following…
Blog Posts | Florida Defines How Certain Commercial Entities Must Handle Personal Information
Jul 22, 2014 | By John Garaffa, Matthew Peaire
Effective July 1, 2014, Florida enacted what some have described as one of the country’s most detailed and comprehensive statutes…
Blog Posts | Valet Service in Pennsylvania Has No Duty to Withhold Keys from Visibly Intoxicated Driver
Jul 22, 2014
What are a valet’s obligations when a customer shows up drunk and requests the return of his vehicle? In Pennsylvania,…
Blog Posts | Website Operator Immune from Defamation Claims
Jul 21, 2014
When does a website operator “develop” defamatory content created by third parties that appears on its website, such that it…
Blog Posts, Court Decisions | Appellate Court Affirms Strict E-Service Requirement To Perfect Right To F.S. § 57.105 Fee Award
Jun 11, 2014
Background Stacey Caplan filed a lawsuit against Michael Matte alleging interference with her business relations. Believing that the complaint filed…
Blog Posts, Court Decisions | Insurer Did Not Waive Proof Of Loss As A Condition Precedent Under Homeowners Policy
May 23, 2014
Rodrigo v. State Farm Fla. Ins. Co., 39 Fla. L. Weekly D838, 2014 WL 1612494 (Fla. 4th DCA Apr. 23,…
Blog Posts, Court Decisions | Third Circuit Holds Reserve Estimates Are Irrelevant in Bad-Faith Case
Apr 29, 2014
Mirarchi v Seneca Specialty Ins. Co., No. 13-2129, 2014 WL 1673748 (3d Cir. April 29, 2014). Significance The Third Circuit…
Blog Posts, Court Decisions | Appellate Court Affirms Exclusion of ‘Pure Opinion’ Expert Testimony Under Florida’s Daubert Standard
Apr 23, 2014
Perez v. Bell South Telecommunications, Inc., 2014 WL 1613654 (Fla. 3d DCA April 23, 2014) Background A child who was…
Blog Posts, Court Decisions | Florida Supreme Court Eliminates Statutory Cap For Noneconomic Damages In Wrongful Death Medical Malpractice Cases
Mar 13, 2014
Estate of McCall v. United States, No. SC11—1148, 2014 WL 959180 (Fla. March 13, 2014) Background The family of a…
Blog Posts, Court Decisions | Florida’s Insurable Interest Statute Precludes Recovery Beyond Insured’s Revenue Stream From Nonowned Property
Jan 24, 2014
Banta Properties, Inc. v. Arch Specialty Insurance Co., No. 12—14186, 2014 WL 274478 (11th Cir. January 24, 2014). Significance The…
Blog Posts, Court Decisions | U.S. Supreme Court Significantly Limits Personal Jurisdiction Over Foreign Corporations
Jan 14, 2014
Daimler AG v. Bauman, 571 U.S. —, 134 S.Ct. 746 (2014). Significance In Daimler, the U.S. Supreme Court significantly limited…
Blog Posts, Court Decisions | Summary Judgment for Insurer Affirmed in Bad-Faith Case
Oct 15, 2013
Novoa v. Geico Indem. Co., No. 13—10704, 2013 WL 5614269 (11th Cir. Oct. 15, 2013). Significance The Eleventh Circuit affirmed…
Blog Posts, Court Decisions | The ‘Structural Damage’ Requirement for ‘Sinkhole Loss’ in Florida: Conflict Within The Federal District Court for the Middle District of Florida
Sep 03, 2013
Gonzalez v. Liberty Mut. Fire Ins. Co., No. 8:12—cv—2549—T-—23EAJ, 2013 WL 5183810 (M.D. Fla. Sept. 3, 2013) Significance The threshold…
Blog Posts, Court Decisions | Florida Arbitration Code is not Applicable to Appraisal Awards
Jul 10, 2013
Citizens Prop. Ins. Corp. v. Mango Hill #6 Condo. Ass’n, Inc., 117 So. 3d 1226 (Fla. 3d DCA 2013) Significance…
Blog Posts, Court Decisions | PIP Insurers May Not Calculate Benefits Based on Medicare Fee Schedules Unless Policies Limit Reimbursement to Scheduled Amounts
Jul 03, 2013
Geico Gen. Ins. Co. v. Virtual Imaging Services, Inc., No. SC12—05, 2013 WL 3332385 (Fla. July 3, 2013) Significance The…
Blog Posts, Court Decisions | Florida Supreme Court Splits on Resolution of Ambiguity in Insurance Contracts
Jul 03, 2013
Washington National Ins. Corp. v. Ruderman, 117 So. 3d 943 (Fla. 2013) Holding In a 3-1-3 split, Justices Labarga, Pariente,…
Blog Posts, Court Decisions | Florida Limits Economic Loss Rule to Products Liability
Jun 27, 2013
Tiara Condominium Assoc., Inc. v. Marsh & McLennan Companies, Inc., 110 So. 3d 399 (Fla. 2013) Background A condominium association…
Blog Posts, Court Decisions | Removal Not Barred By Thirty-Day Time Limits
Jun 27, 2013
Roth v. CHA Hollywood Medical Center, L.P., No. 13—55771, 2013 WL 3214941 (9th Cir. June 27, 2013) Significance The United…
Blog Posts, Court Decisions | Insurer cannot Condition PIP Benefits on Insured’s Attendance at EUO
Jun 21, 2013
Nunez v. Geico Gen. Ins. Co., No. SC12—650, 2013 WL 3214407 (Fla. June 27, 2013) Significance Under Florida’s No-Fault Law,…
Blog Posts, Court Decisions | North Carolina Supreme Court Rules Disclosure of Information to Prosecutor is Not Malicious Prosecution
Jun 13, 2013
North Carolina Farm Bureau Mutual Ins. Co. v. Cully’s Motorcross Park, Inc., 2013 WL 2635575 (N.C. June 13, 2013) Background…
Blog Posts, Court Decisions | CGL Insurer Required to Hire Separate Counsel for Co-Defendants in Negligence Suit
May 03, 2013
University of Miami v. Great American Assurance Co., No. 3D09—2010, 2013 WL 616156 (Fla. 3d DCA Feb. 20, 2013), reh’g…
Blog Posts, Court Decisions | Any Misrepresentation in Policy Application May Void Policy
Apr 30, 2013
Universal Prop. & Cas. Ins. Co. v. Johnson, No. 1D12—0891, 2013 WL 1809639 (Fla. 1st DCA April 30, 2013) Significance…
Blog Posts, Court Decisions | Florida Appellate Court Rules the Department of Financial Services Exceeded its Rulemaking Authority
Feb 20, 2013
Subirats v. Fidelity Nat’l Prop., No. 3D12—68, 2013 WL 616602 (Fla. 3d DCA Feb. 20, 2013) Significance A rule promulgated…
Blog Posts, Court Decisions | Federal Court in Minnesota Finds Coverage Under CGL Policy in Product-Recall Case
Jan 08, 2013
The Netherlands Ins. Co. v. Main Street Ingredients, LLC, No. 11—533, 2013 WL 101876 (D. Minn. Jan. 8, 2013) Significance…
Blog Posts, Court Decisions | Ex Parte Meetings Prohibited under Florida’s Patient Confidentiality Statute
Dec 20, 2012
Hasan v. Garvar, 2012 WL 6619334 (Fla. Dec. 20, 2012) Significance Florida’s patient confidentiality statute prohibits nonparty treating physician from…
Blog Posts, Court Decisions | Summary Judgment for Insurer Reversed in Bad-Faith Case
Dec 05, 2012
Goheagan v. Am. Vehicle Ins. Co., No. 4D10—3781 (Fla. 4th DCA Dec. 5, 2012) Significance On rehearing, the Fourth District…
Blog Posts, Court Decisions | Neutral-Evaluation Statute Upheld as Constitutional
Jun 29, 2012
State Farm Fla. Ins. Co. v. Buitrago, 2012 WL 2471601 (Fla. 2d DCA June 29, 2012). Background This case arises…
Blog Posts, Court Decisions | Expert Testimony Held Admissible Under Daubert
Jun 27, 2012
Ledbetter v. Blair Corp., 2012 WL 2464000 (M.D. Ala. June 27, 2012). Significance Under federal law, where an expert relies…
Blog Posts, Court Decisions | Court holds there are no Common Law, First Party Bad Faith Claims
May 31, 2012
QBE Ins. Corp. v. Chalfonte Condo. Apartment Assoc., Inc., No. SC09—441, 2012 WL 1947863 (Fla. May 31, 2012). Significance First-party…
Blog Posts, Court Decisions | Georgia Supreme Court: Policy Covers Diminution in Value of Real Property
May 29, 2012
Royal Capital Dev. LLC v. Maryland Cas. Co., 2012 WL 1909842 (Ga. May 29, 2012). Significance Under Georgia law, where…
Blog Posts, Court Decisions | Court Holds ‘Pollution Or Contamination’ Exclusion Precludes Coverage For First-Party Chinese Drywall Claim
Feb 27, 2012
Hutchings v. American Home Assurance Co., Case No. 11—cv—60072 (S.D. Fla. Feb. 27, 2012). Facts American Home Assurance Company (“Defendant…
Blog Posts, Court Decisions | Florida Supreme Court Rules That Offer Of Judgment Statute Does Not Apply Where Parties Have Contractually Agreed To Be Bound By Law Of Another Jurisdiction
Feb 02, 2012
Southeast Floating Docks, Inc. v. Auto-Owners Ins. Co., 2012 WL 301029 (Fla. February 2, 2012). Background This case arises from…
Blog Posts, Court Decisions | Florida Supreme Court Rules Statutory Attorney’s Fees Not Recoverable Against FIGA Unless Expressly Provided in Insurance Contract
Jan 19, 2012
Petty v. Florida Ins. Guar. Ass’n, 2012 WL 143605 (Fla. Jan. 19, 2012). Background The insured’s home was damaged during…
Blog Posts, Court Decisions | Appraisal Awards May Not Be “Confirmed” Under Florida’s Arbitration Code
Dec 07, 2011
State Farm Florida Ins. Co. v. Gonzalez, 2011 WL 6057875 (Fla. 3d DCA Dec. 7, 2011) Background This case arises…
Blog Posts, Court Decisions | Fifth DCA Requires Showing Of Prejudice By Insurer Asserting Affirmative Defense Of Insured’s Failure To Attend CME
Dec 02, 2011
State Farm Mut. Auto. Ins. Co. v. Curran, 2011 WL 6003288 (Fla. 5th DCA Dec. 2, 2011). Significance The appellate…
Blog Posts, Court Decisions | Simultaneous Defense of Breach Of Contract And Statutory Bad-Faith Claims Not Required
Nov 16, 2011
Landmark Am. Ins. Co. v. Studio Imports, Ltd., 36 Fla. L. Weekly D2482 (Fla. 4th DCA Nov. 16, 2011). Background…
Blog Posts, Court Decisions | Florida’s Statutory Limitations Period Is Inapplicable To Arbitration Unless Expressly Provided In Written Agreement To Arbitrate
Nov 11, 2011
Raymond James Financial Services, Inc. v. Phillips, 2011 WL 5555691 (Fla. 2d DCA Nov. 16, 2011). Significance Florida’s Second District…
Blog Posts, Court Decisions | Fifth DCA Holds Liability Policy Excludes Molestation Claim
Oct 21, 2011
Foremost Ins. Co. v. D.R., _ So. 3d _, 36 Fla. L. Weekly D2336 (Fla. 5th DCA Oct. 21, 2011)….
Blog Posts, Court Decisions | Attorney Fees Awarded To Insured Under Section 627.428 As Insurer’s Improper Use Of EUO Necessitated Litigation By Insured To Recover Benefits
Oct 12, 2011
De Leon v. Great American Assurance Co., 2011 WL 4824135 (Fla. 3d DCA October 12, 2011). Significance Florida’s Third District…
Blog Posts, Court Decisions | Insured’s Failure to Comply with Conditions Precedent Relieve Homeowners’ Insurer of its Duty to Pay
Jul 15, 2011
Edwards v. State Farm Florida Insurance Company, 64 So. 3d 730 (Fla. 3d DCA 2011). Facts A policyholder, whose home…
Blog Posts, Court Decisions | Court Rules Insurer is Entitled to New Trial Based on Exclusion of Expert Testimony on Medical Billing and Coding
Jul 08, 2011
State Farm Mutual Automobile Insurance Company v. Bowling, — So. 3d —, 36 Fla. L. Weekly D1487 (Fla. 2d DCA July…
Blog Posts, Court Decisions | Florida Court Gives Narrow Interpretation To PIP Statute, Disallowing Calculation Of OPPS For Reimbursement Of MRI Services
Jul 06, 2011
Nationwide Mut. Fire Ins. Co. v. AFO Imaging, Inc., 71 So. 3d 134 (Fla. 2d DCA July 6, 2011). Significance Florida’s…
Blog Posts, Court Decisions | Second DCA Holds Appraisal Cannot be Compelled Before Court Makes Preliminary Determination that Insured’s Demand for Appraisal is Ripe
Jul 01, 2011
Citizens Property Insurance Corporation v. Admiralty House, Inc., 66 So. 3d 342 (Fla. 2d DCA 2011). Facts The policyholder demanded…
Blog Posts, Court Decisions | Court Holds Insurer is Entitled to Interview Jurors Who Failed to Disclose Claim History
May 27, 2011
State Farm Mutual Automobile Insurance Company v. Lawrence, 65 So. 3d 52 (Fla. 2d DCA 2011). Facts In a trial for…
Blog Posts, Court Decisions | PIP Insurers May Not Apply Statutory Fee Schedule Limitation Unless Their Policies Expressly Limit Reimbursement To The Scheduled Amounts
May 18, 2011
Geico Gen. Ins. Co. v. Virtual Imaging Services, Inc., No. SC12—f-905, 2013 WL 3332385 (Fla. July 3, 2013) Significance The…