{"id":901488,"date":"2023-08-10T15:20:27","date_gmt":"2023-08-10T21:20:27","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=901488"},"modified":"2023-08-10T15:20:30","modified_gmt":"2023-08-10T21:20:30","slug":"promissory-estoppel-claim-allowed","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-claim-allowed\/","title":{"rendered":"Promissory Estoppel Claim Allowed to Proceed Against Insurer Based on Reversal in Coverage Position"},"content":{"rendered":"\n<p>Margaret Karchmer | <a href=\"https:\/\/www.executivesummaryblog.com\/promissory-estoppel-claim-allowed-to-proceed-against-insurer-based-on-reversal-in-coverage-position\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Wiley Rein<\/a><\/p>\n\n\n\n<p>The United States District Court for the Southern District of Florida, applying Florida law, denied an excess insurer\u2019s motion to dismiss an <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-exception-insurance-coverage\/\" target=\"_blank\" rel=\"noreferrer noopener\">estoppel claim<\/a> where the insurer reversed its coverage position on which the insured alleged it had detrimentally relied.\u00a0<em>Scott v. Certain Underwriters at Lloyd\u2019s London Subscribing to Policy No. B0901LI1837279,\u00a0<\/em>2023 WL 4363553 (S.D. Fla. July 6, 2023).<\/p>\n\n\n\n<p>A former employee sought coverage under claims-made directors and officers liability policies issued to his former employer for letters he received from his former employer. The primary carrier denied coverage on the grounds that the letters did not constitute a \u201cclaim.\u201d The excess carrier initially took the position that one of the letters was a claim, subject to a reservation of rights, but subsequently advised that its prior conclusion that the letter constituted a claim was erroneous and denied coverage.<\/p>\n\n\n\n<p>The former employee sued both the primary insurer and the excess insurer seeking coverage under the policies. In prior rulings, the court granted the primary insurer\u2019s motion to dismiss, holding that the letters did not constitute a \u201cclaim\u201d or \u201cnotice of circumstances\u201d under the primary policy. The excess insurer, whose policy had substantially identical definitions of \u201cclaim\u201d and \u201cnotice of circumstances,\u201d moved to dismiss the claims asserted against it on the same grounds.&nbsp;<\/p>\n\n\n\n<p>The court granted the excess insurer\u2019s motion to dismiss the breach of contract claim against it for the same reasons as it granted the primary insurer\u2019s motion. However, the court denied the motion to dismiss the promissory estoppel claim. The court rejected the excess insurer\u2019s argument that the estoppel claim was not cognizable because there was a written contract governing the dispute, finding that the existence of an express contract had only been alleged, not proven, at that stage of the litigation. The court also rejected the excess insurer\u2019s argument that its reservation of rights precluded a promissory estoppel claim, finding this argument relied on extrinsic evidence that could not be considered on a motion to dismiss. Finally, the court held that factual issues prevented a legal determination on the question of detrimental reliance on a motion to dismiss.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\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>Margaret Karchmer | Wiley Rein The United States District Court for the Southern District of Florida, applying Florida law, denied an excess insurer\u2019s motion to dismiss an estoppel claim where the insurer reversed its coverage position on which the insured alleged it had detrimentally relied.\u00a0Scott v. Certain Underwriters at Lloyd\u2019s London Subscribing to Policy No.&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/promissory-estoppel-claim-allowed\/\">Continue reading <span class=\"screen-reader-text\">Promissory Estoppel Claim Allowed to Proceed Against Insurer Based on Reversal in Coverage Position<\/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":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[9914],"tags":[9895,23,9438],"class_list":["post-901488","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>Promissory Estoppel Claim Allowed to Proceed Against Insurer Based on Reversal in Coverage Position - Advise &amp; 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