{"id":898866,"date":"2021-06-23T11:12:19","date_gmt":"2021-06-23T17:12:19","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=898866"},"modified":"2021-06-23T11:12:19","modified_gmt":"2021-06-23T17:12:19","slug":"post-loss-policy-obligation-coverage","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/post-loss-policy-obligation-coverage\/","title":{"rendered":"Courts Will Not Rewrite Your Post-Loss Property Insurance Obligations"},"content":{"rendered":"\n<p>David Adelstein | <a href=\"https:\/\/www.floridaconstructionlegalupdates.com\/courts-will-not-rewrite-your-post-loss-property-insurance-obligations\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Florida Construction Legal Updates<\/a><\/p>\n\n\n\n<p>In the preceding\u00a0<a href=\"https:\/\/www.floridaconstructionlegalupdates.com\/comply-with-your-insurance-policys-conditions-precedent\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">posting<\/a>, I wrote about making sure you comply with your property insurance policy\u2019s\u00a0<strong><a href=\"https:\/\/www.myconstructionexpert.com\/blog\/failing-to-comply-post-loss-duty-automatic-bar-to-recovery\/\" target=\"_blank\" rel=\"noreferrer noopener\">post-loss policy obligations<\/a><\/strong>. \u00a0By failing to comply, you can render your policy ineffective meaning you are forfeiting otherwise valid insurance coverage, which was the situation discussed in the preceding posting. \u00a0As an insured, you should never want this to occur!<\/p>\n\n\n\n<p>In another case, discussed\u00a0<a href=\"https:\/\/provemyfloridacase.com\/courts-are-not-here-to-rewrite-bargained-for-contractual-provisions\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">here<\/a>, the property insurance policy had a\u00a0<strong>preferred contractor endorsement<\/strong>. \u00a0This means that instead of paying the insured insurance proceeds, the insurer could perform the repairs with its preferred contractor. \u00a0 Typically, the insured will pay a discount on their premium for this preferred contractor endorsement. \u00a0The insurer elected to move forward with the repairs based on the preferred contractor endorsement but the insured performed the repairs on his own and then sold the house. \u00a0By doing this, the appellate court held the insured rendered his policy ineffective by breaching his own policy (and failing to allow this post-loss obligation to take place). \u00a0The explicit terms of the policy allowed the insurer to perform the repairs instead of paying the insured insurance proceeds. \u00a0<strong>The court could NOT rewrite the post-loss obligations in the policy by requiring the insurer to pay insurance proceeds when the insurer, per the preferred contractor endorsement, elected to perform the repairs.<\/strong><\/p>\n\n\n\n<p>Your insurance policy is a contract and will be treated as a contract. &nbsp;Please make decisions with this in mind and consult counsel before taking positions that may be violative of your own contract and render your policy ineffective.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>David Adelstein | Florida Construction Legal Updates In the preceding\u00a0posting, I wrote about making sure you comply with your property insurance policy\u2019s\u00a0post-loss policy obligations. \u00a0By failing to comply, you can render your policy ineffective meaning you are forfeiting otherwise valid insurance coverage, which was the situation discussed in the preceding posting. \u00a0As an insured, you&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/post-loss-policy-obligation-coverage\/\">Continue reading <span class=\"screen-reader-text\">Courts Will Not Rewrite Your Post-Loss Property Insurance Obligations<\/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":[9914],"tags":[9895,23,11013],"class_list":["post-898866","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-insurance-coverage","tag-post-loss-obligation","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Courts Will Not Rewrite Your Post-Loss Property Insurance Obligations - Advise &amp; 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