{"id":894151,"date":"2018-05-09T15:58:02","date_gmt":"2018-05-09T21:58:02","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=894151"},"modified":"2018-05-09T15:58:02","modified_gmt":"2018-05-09T21:58:02","slug":"insureds-still-cannot-obtain-insurers-claim-file","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/insureds-still-cannot-obtain-insurers-claim-file\/","title":{"rendered":"Insureds Still Cannot Obtain Insurer\u2019s Claim File"},"content":{"rendered":"

Marie Laur | Property Insurance Coverage Law Blog<\/a> | May 6, 2018<\/p>\n

Whether an insured can access an insurer\u2019s claim file has often been addressed by Florida courts. Recently, a Florida appellate court followed other courts\u2019 rulings in holding that an insured cannot obtain its insurer\u2019s claim file.<\/p>\n

In\u00a0Homeowners Choice Property and Casualty Ins. Co. v. Avila<\/em>,1<\/sup>\u00a0the insureds, Raul and Doxanne Avila (\u201cthe Avilas\u201d), filed a claim for damage to their property with their insurance company, Homeowners Choice Property and Casualty Insurance Company (\u201cHomeowners\u201d). Homeowners made some payments on the claim, which the Avilas found to be insufficient to cover the damage to their property. The Avilas sued Homeowners for breach of contract.<\/p>\n

During the litigation process, counsel for the Avilas served a request for production on Homeowners, seeking various documents related to the claim. While Homeowners produced some of the requested documents, it objected to others as work product privilege or \u201cclaim file privilege\u201d and submitted a corresponding privilege log.<\/p>\n

The trial court reviewed the withheld documents in camera and ordered that some documents be produced, as they did not fall under either of the listed privileges. The documents ordered to be produced were created prior to the date that the Avilas contested Homeowners\u2019s payment on the claim.<\/p>\n

The appellate court ruled that in first party breach of contract actions, such as the one at hand, an insurer\u2019s claim file is not discoverable. However, the appellate court noted that no \u201cclaim file privilege\u201d exists under Florida law.<\/p>\n

The court\u2019s decision mirrors many other prior rulings in Florida courts on the matter.
\n__________________
\n1<\/sup>\u00a0Homeowners Choice Property and Casualty Ins. Co. v. Avila<\/em>, No. 3D17-465 (Fla. 3d DCA April 25, 2018).<\/p>\n","protected":false},"excerpt":{"rendered":"

Marie Laur | Property Insurance Coverage Law Blog | May 6, 2018 Whether an insured can access an insurer\u2019s claim file has often been addressed by Florida courts. Recently, a Florida appellate court followed other courts\u2019 rulings in holding that an insured cannot obtain its insurer\u2019s claim file. In\u00a0Homeowners Choice Property and Casualty Ins. Co.… Continue reading Insureds Still Cannot Obtain Insurer\u2019s Claim File<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[9895,94,3,10452],"class_list":["post-894151","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-advise-consult","tag-florida","tag-insurance-claims","tag-insurers-claim-file","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nInsureds Still Cannot Obtain Insurer\u2019s Claim File - 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