{"id":900262,"date":"2022-08-17T15:41:34","date_gmt":"2022-08-17T21:41:34","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=900262"},"modified":"2022-08-17T15:41:40","modified_gmt":"2022-08-17T21:41:40","slug":"promissory-estoppel-exception-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/","title":{"rendered":"Narrow Promissory Estoppel Exception to Create Insurance Coverage"},"content":{"rendered":"\n<p>David Adelstein | <a href=\"https:\/\/www.floridaconstructionlegalupdates.com\/narrow-promissory-estoppel-exception-to-create-insurance-coverage\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Florida Construction Legal Updates<\/a><\/p>\n\n\n\n<p>There is an affirmative claim known as\u00a0<strong><a href=\"https:\/\/www.myconstructionexpert.com\/blog\/despite-or-because-of-extensive-negotiations-no-contract-and-no-promissory-estoppel\/\" target=\"_blank\" rel=\"noreferrer noopener\">promissory estoppel<\/a><\/strong>. \u00a0(Whereas equitable estoppel is used an affirmative defense, promissory estoppel is used as an affirmative claim.)<\/p>\n\n\n\n<p><strong>To prove promissory estoppel, a plaintiff must plead and prove the following three elements: \u201c(1) a representation as to a material fact that is contrary to a later-asserted position; (2) a reasonable reliance on that representation; and (3) a change in position detrimental to the party claiming estoppel caused by the representation and reliance thereon.\u201d<\/strong>&nbsp;<em>Romo v. Amedex Ins. Co<\/em>., 930 So.2d 643, 650 (Fla. 3d DCA 2006) (citation and quotation omitted). Stated differently: \u201c<strong>A party will be estopped from denying liability under the principle of promissory estoppel when the party makes \u2018[a] promise which the promisor should reasonably expect to induce action or forbearance of a definite and substantial character on the part of the promisee and which does induce such action or forbearance\u2026[and] injustice can be avoided only by enforcement of the promise<\/strong>.\u2019\u201d&nbsp;<em>Criterion Leasing Group v. Gulf Coast Plastering &amp; Drywall,<\/em>&nbsp;582 So.2d 799, 800 (Fla. 1<sup>st<\/sup>&nbsp;DCA 1991).<\/p>\n\n\n\n<p>When it comes to insurance coverage, generally, insurance coverage is not created by an estoppel argument.&nbsp;&nbsp;<em>JN Auto Collection, Corp. v U.S. Security Ins. Co.<\/em>, 59 So.3d 256, 258 (Fla. 3d DCA 2011).&nbsp;<strong>However, there is a narrow promissory estoppel exception to prevent injustice or the perpetration of fraud by a misrepresentation<\/strong>. &nbsp;<em>Id<\/em>. at 259 (quotation omitted);&nbsp;<em>Kissimmee Utilities Authority v. Florida Municipal Ins. Trust<\/em>, 686 So.2d766 (Fla. 5<sup>th<\/sup>&nbsp;DCA 1997) (\u201c[T]he doctrine of promissory estoppel may be utilized to create insurance coverage when a refusal to do so would sanction fraud or injustice.\u201d).<\/p>\n\n\n\n<p>This promissory estoppel exception to create insurance coverage is a very limited exception.&nbsp;<em>E.L.S.R. Corp. v. Geico General Ins. Co.,<\/em>&nbsp;183 F.Supp.3d 1273, 1277 (S.D.Fla. 2016). For this reason, a plaintiff must prove this promissory estoppel exception to create insurance coverage with&nbsp;<strong>clear and convincing<\/strong>&nbsp;evidence.&nbsp;<em>Id<\/em>.<\/p>\n\n\n\n<p>Insurance is important. An extension of this is insurance coverage. \u00a0What if you receive a denial or declination of coverage or do not have coverage you firmly believed you maintained? \u00a0Maybe, just maybe, there is a promissory estoppel argument that can be used to create coverage. \u00a0Look, I don\u2019t want to get your hopes up that this is the fallback position anytime an insurer issues a denial or declination of coverage. \u00a0It is definitely not, which is why this is a narrow exception and limited remedy. \u00a0But this is why working with counsel that understands insurance coverage is a MUST. \u00a0If there are facts that can support a promissory estoppel argument with clear and convincing evidence to create coverage you can can prove you thought you maintained, and there was a representation that you maintained such insurance, working with insurance coverage counsel can assist in maximizing this promissory estoppel coverage argument.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\" target=\"_blank\" rel=\"noreferrer noopener\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>David Adelstein | Florida Construction Legal Updates There is an affirmative claim known as\u00a0promissory estoppel. \u00a0(Whereas equitable estoppel is used an affirmative defense, promissory estoppel is used as an affirmative claim.) To prove promissory estoppel, a plaintiff must plead and prove the following three elements: \u201c(1) a representation as to a material fact that is&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/\">Continue reading <span class=\"screen-reader-text\">Narrow Promissory Estoppel Exception to Create Insurance Coverage<\/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":[9895,23,9438],"class_list":["post-900262","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-insurance-coverage","tag-promissory-estoppel-claim","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>Narrow Promissory Estoppel Exception to Create Insurance Coverage - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"description\" content=\"equitable estoppel is used an affirmative defense, promissory estoppel is used as an affirmative claim and must prove three elements\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Narrow Promissory Estoppel Exception to Create Insurance Coverage - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"equitable estoppel is used an affirmative defense, promissory estoppel is used as an affirmative claim and must prove three elements\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise &amp; Consult, Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-17T21:41:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-17T21:41:40+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:site\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"Narrow Promissory Estoppel Exception to Create Insurance Coverage\",\"datePublished\":\"2022-08-17T21:41:34+00:00\",\"dateModified\":\"2022-08-17T21:41:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/\"},\"wordCount\":527,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"Advise &amp; Consult\",\"insurance coverage\",\"Promissory Estoppel Claim\"],\"articleSection\":[\"Insurance Coverage\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/\",\"name\":\"Narrow Promissory Estoppel Exception to Create Insurance Coverage - Advise &amp; Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2022-08-17T21:41:34+00:00\",\"dateModified\":\"2022-08-17T21:41:40+00:00\",\"description\":\"equitable estoppel is used an affirmative defense, promissory estoppel is used as an affirmative claim and must prove three elements\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"name\":\"Advise &amp; Consult, Inc.\",\"description\":\"Construction Expert Witnesses\",\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\",\"name\":\"Advise & Consult\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"contentUrl\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"width\":162,\"height\":75,\"caption\":\"Advise & Consult\"},\"image\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\",\"https:\/\/x.com\/adviseconsult\",\"https:\/\/www.linkedin.com\/company-beta\/204526\/\",\"https:\/\/www.youtube.com\/user\/MrConstructionExpert\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"caption\":\"admin\"},\"sameAs\":[\"http:\/\/www.expertwitnessinconstruction.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Narrow Promissory Estoppel Exception to Create Insurance Coverage - Advise &amp; Consult, Inc.","description":"equitable estoppel is used an affirmative defense, promissory estoppel is used as an affirmative claim and must prove three elements","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/","og_locale":"en_US","og_type":"article","og_title":"Narrow Promissory Estoppel Exception to Create Insurance Coverage - Advise &amp; Consult, Inc.","og_description":"equitable estoppel is used an affirmative defense, promissory estoppel is used as an affirmative claim and must prove three elements","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/","og_site_name":"Advise &amp; Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2022-08-17T21:41:34+00:00","article_modified_time":"2022-08-17T21:41:40+00:00","author":"admin","twitter_card":"summary_large_image","twitter_creator":"@adviseconsult","twitter_site":"@adviseconsult","twitter_misc":{"Written by":"admin","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"Narrow Promissory Estoppel Exception to Create Insurance Coverage","datePublished":"2022-08-17T21:41:34+00:00","dateModified":"2022-08-17T21:41:40+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/"},"wordCount":527,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["Advise &amp; Consult","insurance coverage","Promissory Estoppel Claim"],"articleSection":["Insurance Coverage"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/","name":"Narrow Promissory Estoppel Exception to Create Insurance Coverage - Advise &amp; Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2022-08-17T21:41:34+00:00","dateModified":"2022-08-17T21:41:40+00:00","description":"equitable estoppel is used an affirmative defense, promissory estoppel is used as an affirmative claim and must prove three elements","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website","url":"https:\/\/www.myconstructionexpert.com\/blog\/","name":"Advise &amp; Consult, Inc.","description":"Construction Expert Witnesses","publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization","name":"Advise & Consult","url":"https:\/\/www.myconstructionexpert.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","contentUrl":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","width":162,"height":75,"caption":"Advise & Consult"},"image":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","https:\/\/x.com\/adviseconsult","https:\/\/www.linkedin.com\/company-beta\/204526\/","https:\/\/www.youtube.com\/user\/MrConstructionExpert"]},{"@type":"Person","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","caption":"admin"},"sameAs":["http:\/\/www.expertwitnessinconstruction.com"]}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p2ztG6-3Mcm","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/900262","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/comments?post=900262"}],"version-history":[{"count":1,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/900262\/revisions"}],"predecessor-version":[{"id":900263,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/900262\/revisions\/900263"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=900262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=900262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=900262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}