{"id":33964,"date":"2023-03-06T12:40:45","date_gmt":"2023-03-06T17:40:45","guid":{"rendered":"https:\/\/www.propertyinsurancecoveragelaw.com\/?p=33964"},"modified":"2023-12-29T11:24:16","modified_gmt":"2023-12-29T16:24:16","slug":"florida-law-on-post-loss-obligations-and-the-recovery-of-rcv-benefits","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/florida-law-on-post-loss-obligations-and-the-recovery-of-rcv-benefits\/","title":{"rendered":"Florida Law on Post-Loss Obligations and the Recovery of RCV Benefits"},"content":{"rendered":"\r\n<p><a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2023\/02\/articles\/insurance-claim\/common-sense-prevails-in-court-ruling-on-actual-cash-value-and-recoverable-depreciation\/\" target=\"_blank\" rel=\"noreferrer noopener\">I recently posted<\/a> about a court in Minnesota permitting the insured to seek the Replacement Cost Value (\u201cRCV\u201d) of its loss even though the property had not been repaired or replaced during ligation delays. Earlier this month, the Florida 11th Judicial Circuit for Miami-Dade County offered the Florida perspective on the subject.<sup>1<\/sup><\/p>\r\n\r\n\r\n\r\n<p><!--more--><\/p>\r\n\r\n\r\n\r\n<p>The insurer moved for summary judgment on the claim for both the increased costs of construction and replacement cost value of the loss. The insurer argued that the insurance policy prohibited recovery of these costs unless the repair or replacement of the property took place within two years of the date of loss.<\/p>\r\n\r\n\r\n\r\n<p>The trial court found that the insurer\u2019s denial based on the two-year timeline to repair or replace the property was moot.<\/p>\r\n\r\n\r\n\r\n<p>Because there is no dispute that [the insurer] denied the [insured\u2019s] claim outright within 90 days, this two-year repair\/replace Policy term was rendered moot, does not apply to the Parties\u2019 pre-lawsuit dealings and, therefore, compliance was not required. Enforcing this provision prior to providing coverage is like putting the cart before the horse.<\/p>\r\n\r\n\r\n\r\n<p>The court stated that because the insurer denied the claim in 90 days, it rendered the insured\u2019s obligation to notify the insurer of its intention to seek RCV benefits moot as well. The court found no provision in the insuring agreement that imposed continuing obligations on the insured after a denial of coverage. Thus, in order to disclaim coverage based on the insured\u2019s post-loss duties, the insurer would have needed to first find coverage.<\/p>\r\n\r\n\r\n\r\n<p>In addition to denying the insurer\u2019s motion for summary judgment based on the policy&#8217;s plain language, the court found there was an issue of fact as to whether the insurer materially breached the policy. In Florida, a material breach by one party may be considered a discharge of the other party\u2019s contractual obligations.<\/p>\r\n\r\n\r\n\r\n<p>I know that my defense counsel friends are thinking: \u201cBut what about <em>Buckley Towers<\/em>.\u201d The court also addressed that case:<\/p>\r\n\r\n\r\n\r\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\r\n<p>For example, in <em>Buckley Towers<\/em>, the insurer did not deny the insured\u2019s claim and construed the claim as a request for RCV damages. 395 F. App\u2019x at 661- 62. The court held that the insured was bound by the insurance contract to comply with the RCV term to repair and replace the property, which the insured had not done. <em>Id<\/em>. at 663-64. The court distinguished a situation where an insurer wrongfully denies a claim denial (as here), acknowledging that Florida law holds that an insurer cannot rely on noncompliance with policy terms after a claim is denied. <em>Id<\/em>. at 664 n.1<\/p>\r\n<\/blockquote>\r\n\r\n\r\n\r\n<p>Florida case law makes a clear distinction in the interpretation of these post-loss obligations based on whether an insurer denies coverage or accepts coverage and pays the Actual Cash Value of the loss. This is a win for policyholders whose claims are wrongfully denied. However, for policyholders that have their claims wrongfully underpaid to seek RCV benefits, they must either front the costs of repair or get a loan while fighting with their insurer. This, unfortunately, places an undue financial strain on policyholders fighting lowballed claims.<\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\r\n\r\n\r\n<p><sup>1<\/sup> <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/wp-content\/uploads\/2023\/03\/Order-on-RCV-Florida-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Majorca Isles I Condo. Assoc. v. American Coastal Ins. Co.<\/em>, No 2021-005183-CA-1 (Fla. Cir. Ct. Feb 9, 2023)<\/a>.<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>I recently posted about a court in Minnesota permitting the insured to seek the Replacement Cost Value (\u201cRCV\u201d) of its loss even though the property had not been repaired or replaced during ligation delays. Earlier this month, the Florida 11th Judicial Circuit for Miami-Dade County offered the Florida perspective on the subject.1<\/p>\n","protected":false},"author":26,"featured_media":30955,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[300],"tags":[172,4,204,170],"class_list":["post-33964","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-attorneys","tag-actual-cash-value","tag-insurance","tag-postloss-duties","tag-replacement-cost"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Florida Law on Post-Loss Obligations and the Recovery of RCV Benefits | Property Insurance Coverage Law Blog<\/title>\n<meta name=\"description\" content=\"March 6, 2023 I recently posted about a court in Minnesota permitting the insured to seek the 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