Florida is the only state to address and provide a statutory definition for a \u201cre-opened claim\u201d or a \u201csupplemental claim.\u201d Florida\u2019s law is not a consumer protection law. Instead, it is an insurance company protection law. The current wording of Florida\u2019s statute on Supplemental and Reopened claims reads as follows:<\/p>\n
627.70132\u2003Notice of property insurance claim.\u2014<\/p>\n
(1)\u2003As used in this section, the term:<\/p>\n
(a)\u2003\u201cReopened claim\u201d means a claim that an insurer has previously closed, but that has been reopened upon an insured\u2019s request for additional costs for loss or damage previously disclosed to the insurer.<\/p>\n
(b)\u2003\u201cSupplemental claim\u201d means a claim for additional loss or damage from the same peril which the insurer has previously adjusted or for which costs have been incurred while completing repairs or replacement pursuant to an open claim for which timely notice was previously provided to the insurer.<\/p>\n
(2)\u2003A claim or reopened claim, but not a supplemental claim, under an insurance policy that provides property insurance, as defined in s. 624.604, including a property insurance policy issued by an eligible surplus lines insurer, for loss or damage caused by any peril is barred unless notice of the claim was given to the insurer in accordance with the terms of the policy within 1 year after the date of loss. A supplemental claim is barred unless notice of the supplemental claim was given to the insurer in accordance with the terms of the policy within 18 months after the date of loss. The time limitations of this subsection are tolled during any term of deployment to a combat zone or combat support posting which materially affects the ability of a named insured who is a servicemember as defined in s. 250.01 to file a claim, supplemental claim, or reopened claim.<\/p>\n
(3)\u2003For claims resulting from hurricanes, tornadoes, windstorms, severe rain, or other weather-related events, the date of loss is the date that the hurricane made landfall or the tornado, windstorm, severe rain, or other weather-related event is verified by the National Oceanic and Atmospheric Administration.<\/p>\n
(4)\u2003This section does not affect any applicable limitation on civil actions provided in s. 95.11 for claims, supplemental claims, or reopened claims timely filed under this section.<\/p><\/blockquote>\n
One issue is whether these notices have to provide estimates of damage, as I noted in Supplemental or Reopened Claims\u2014Does the Notice Have to Include Some Type of Estimate<\/em><\/a>:<\/p>\n
What is the lesson from this holding, and does this mean that the notice does not have to include an estimate of damage? ‘Better safe than sorry’ is the lesson. Estimates and full descriptions of loss should be provided. The court noted that its holding is contrary to another appellate court, which raises the possibility that the issue could be resolved by the Florida Supreme Court. Other appellate courts could find one way or the other until this legal tie is broken.\u201d<\/p><\/blockquote>\n
A federal appellate court just decided that an estimate is not required. <\/a>1<\/sup><\/a> It first noted that Florida courts are split on the issue and that the Florida Supreme Court has not weighed in:<\/p>\n
In this case, there are no relevant decisions from the Florida Supreme Court interpreting \u00a7 627.70132. Two Florida appellate courts, however, have weighed in. The first is Goldberg v. Universal Property & Casualty Insurance Co.<\/em>, from Florida\u2019s Fourth District Court of Appeal. In Goldberg<\/em>, the court examined whether an insured party \u2018was required to submit a supplemental claim before filing suit for additional payment for\u2019 its loss\u2026Finding that the insured\u2019s attempt to claim additional payment for an already adjusted loss qualified as a supplemental claim under \u00a7 627.70132, the court concluded that the insured \u2018was required to file a supplemental claim setting forth those damages he sought in excess of what the insurance company had already paid.\u2019\u2026The court stated that a \u2018competing estimate by an insured\u2019s independent adjuster, or by a prospective contractor\u2019 would suffice\u2026.<\/p>\n
The second state appellate court decision on point was issued after the district court granted summary judgment to Great Lakes below. In Patios West One Condominium Association, Inc. v. American Coastal Insurance Co.<\/em>, Florida\u2019s Third District Court of Appeal held that \u00a7 627.70132 does not require a notice of a supplemental claim to contain an estimate of additional damages\u2026Instead, the statute requires only that \u2018the notice of a supplemental or reopened claim (1) be \u2018given to the insurer in accordance with the terms of the policy\u2019 and (2) constitute an \u2018additional claim for recovery\u2019 for losses from \u2018the same hurricane.\u2019 \u2018 Id.<\/em> (quoting Fla. Stat. \u00a7 627.70132).<\/p>\n
The Patios court explicitly rejected Goldberg<\/em>\u2019s statement that \u00a7 627.70132 required a damages estimate, reasoning that the statute\u2019s plain text did not contain any such requirement and that the statute was not a \u2018supplemental claim statute\u2019 but a \u2018notice of supplemental claim statute,\u2019 delineating only the time period in which an insured must give notice to its insurer of the existence (but not the precise amount) of a supplemental claim. Id.<\/em> It also dismissed this portion of Goldberg<\/em> as nonbinding dicta<\/em>.\u201d<\/p><\/blockquote>\n
The appellate court followed the Patios<\/em> case finding as follows:<\/p>\n
Concourse Plaza urges this Court to follow Patios<\/em>, arguing that Goldberg<\/em> is both factually distinguishable and wrongly decided. We need not determine whether Goldberg would apply to this case, however, because as a federal court applying state law, we are bound to apply Patios in any event. This lawsuit originated in the Miami Division of the United States District Court for the Southern District of Florida. \u2018State courts located there are within the territory of, and are bound to follow decisions issued by, the Third District Court of Appeal.\u2019\u2026. Therefore, because this is an appeal of a case arising out of the Miami Division, we apply the Third District Court of Appeal\u2019s Patios decision.<\/p>\n
\u2026<\/p>\n
No one disputes that Concourse Plaza\u2019s September 2020 letter sought additional recovery for losses from the same hurricane\u2014Hurricane Irma\u2014as the original claim. And Great Lakes concedes that the insurance policy by itself \u2018does not impose a requirement to provide an estimate of damages.\u2019 Concourse Plaza\u2019s September 2020 letter therefore qualifies as a notice of a supplemental claim under Fla. Stat. \u00a7 627.70132. Because it was sent within three years of the date Hurricane Irma made landfall, the provisions of Fla. Stat. \u00a7 627.70132 were satisfied.<\/p><\/blockquote>\n
Policyholders and public adjusters should be aware that this decision followed the law when it was first made in 2011. As Ashley Harris<\/a> noted in September 10, 2020 is Not the Statute of Limitations for Hurricane Irma Claims<\/em><\/a>, the older Supplemental and Reopened claims statute allowed for three years to provide notice.<\/p>\n
Now, the newer statute has a one-year time limit for a reopened claim and 18 months for a supplemental claim. While not a statute of limitation, failure to comply with the notice provisions effectively bars further recovery. This statute is important because insurers will use it to limit the amount owed regardless of the claim\u2019s merit.<\/p>\n
Thought For The Day<\/strong><\/p>\n
Procrastination is like a credit card: it’s a lot of fun until you get the bill.<\/strong><\/em>
\n\u2014Christopher Parker<\/em><\/p>\n
\n<\/a>1<\/sup><\/a> Great Lakes Ins. SE v. Concourse Plaza A Conominium Assoc.<\/em>, No 22-13141 (11th Cir. Apr. 15, 2024)<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"
Florida is the only state to address and provide a statutory definition for a \u201cre-opened claim\u201d or a \u201csupplemental claim.\u201d Florida\u2019s law is not a consumer protection law. Instead, it is an insurance company protection law. The current wording of Florida\u2019s statute on Supplemental and Reopened claims reads as follows: 627.70132\u2003Notice of property insurance claim.\u2014 …<\/span><\/p>\n","protected":false},"author":11,"featured_media":26603,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[308,12],"tags":[250,166,216],"class_list":["post-40349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-policyholders","category-public-adjusters","tag-late-notice","tag-notice-of-loss","tag-supplemental-claim"],"acf":[],"yoast_head":"\n
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Chip is a noted national authority on insurance bad faith, lecturing to national trade groups and publishing a number of papers and articles on the subject for organizations such as The American Association for Justice, The Florida Justice Association, The Windstorm Insurance Network, and Trial Magazine. As founder and president of Merlin Law Group, Chip has dedicated his practice to the representation and advocacy of insurance policyholders in disputes with insurance companies nationwide. Chip served as Chair for the Bad Faith Insurance Litigation Group and Secretary for the Fire and Property Insurance Litigation Group for the American Association for Justice (formerly known as the Association of Trial Lawyers of America). He was also Vice-Chair for the Subcommittee on Property Insurance Law for the American Bar Association. 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