{"id":902336,"date":"2024-02-28T13:53:02","date_gmt":"2024-02-28T20:53:02","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=902336"},"modified":"2024-02-28T13:53:02","modified_gmt":"2024-02-28T20:53:02","slug":"lets-talk-about-a-statutory-first-party-bad-faith-claim-against-an-insurer","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/lets-talk-about-a-statutory-first-party-bad-faith-claim-against-an-insurer\/","title":{"rendered":"Let&#8217;s Talk About a Statutory First-Party Bad Faith Claim Against an Insurer"},"content":{"rendered":"\n<p>David Adelstein | <a href=\"https:\/\/www.floridaconstructionlegalupdates.com\/lets-talk-about-a-statutory-first-party-bad-faith-claim-against-an-insurer\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Florida Construction Legal Updates<\/a><\/p>\n\n\n\n<p>Let\u2019s talk about a\u00a0<strong><a href=\"https:\/\/www.myconstructionexpert.com\/blog\/first-party-bad-faith-claims-oregon\/\">statutory first-party bad faith claim<\/a><\/strong>\u00a0against an insurer under Florida law. A recent opinion, discussed below, does a nice job providing a synopsis of a first-party statutory bad faith claim against an insurer:<\/p>\n\n\n\n<p><strong>The Florida Legislature created the&nbsp;<u>first-party bad faith cause of action<\/u>&nbsp;by enacting section 624.155, Florida Statutes, which imposes a duty on insurers to settle their policyholders\u2019 claims in good faith.&nbsp;&nbsp;<u>The statutory obligation on the insurer is to timely evaluate and pay benefits owed under the insurance policy<\/u>.&nbsp; The damages recoverable by the insured in a bad faith action are those amounts that are the&nbsp;<u>reasonably foreseeable consequences of the insurer\u2019s bad faith in resolving a claim, which include consequential damages<\/u>.&nbsp;<\/strong><\/p>\n\n\n\n<p><strong>\u201c[A] statutory bad faith claim under section 624.155 is ripe for litigation when there has been (<u>1) a determination of the insurer\u2019s liability for coverage; (2) a determination of the extent of the insured\u2019s damages; and (3) the required [civil remedy] notice is filed pursuant to section 624.155(3)(a)<\/u>.\u201d&nbsp;<\/strong><\/p>\n\n\n\n<p><strong>\u201cAn insured may obtain a determination of the insurer\u2019s liability and the extent of their damages by litigation, arbitration, settlement, stipulation, or the payment of full policy limits.\u201d&nbsp; Additionally, payment of an appraisal award by the insurer constitutes a determination of the insurer\u2019s liability and the extent of the insured\u2019s damages.&nbsp;<\/strong><\/p>\n\n\n\n<p><em>Cingari v. First Protective Ins. Co<\/em>., 49 Fla.L.Weekly D89a (Fla. 4<sup>th<\/sup>&nbsp;DCA 2023) (internal citations omitted).<\/p>\n\n\n\n<p>The fact pattern in this case is somewhat nutty. This case dealt with a homeowner\u2019s property insurance policy. The homeowners discovered cracks in their walls and submitted an insurance claim. The insurer issued two partial payments.\u00a0 However, the homeowner felt its insurer was not properly adjusting the claim and filed a\u00a0<a href=\"https:\/\/www.floridaconstructionlegalupdates.com\/quick-note-submitting-civil-remedy-notice\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Civil Remedy Notice<\/a>\u00a0as the perquisite for a statutory bad faith claim. The homeowner subsequently invoked the appraisal process in the policy. The insurer agreed and the claim proceeded through the appraisal process (after a lawsuit was initiated for the court to appoint the umpire to preside over the appraisal process). The umpire found damages more than the partial payments paid by the insurer resulting in the insurer paying the policy limits under the policy.\u00a0 The homeowner then filed a bad faith action against its insurer for failing to timely and properly adjust the loss. The insurer moved for summary judgment arguing that AFTER it paid the policy limits it discovered that the loss (that it paid for) was, in fact, excluded under the policy by an earth settlement exclusion. The trial court agreed with the insurer that because there was no coverage, there could be no bad faith claim against the insurer.<\/p>\n\n\n\n<p>The appellate court concluded differently under the facts of the case: \u201c<strong>we conclude the trial court erred in accepting the insurer\u2019s argument that because no coverage existed, the homeowner was not entitled to litigate whether the insurer acted in bad faith<\/strong>.\u201d&nbsp;<em>Cingari, supra<\/em>.&nbsp; Why did the appellate court conclude differently? Two main reasons:<\/p>\n\n\n\n<p>(1) The insurer&nbsp;<em>never<\/em>&nbsp;raised that \u201cno coverage exists\u201d to the umpire during the appraisal process.<\/p>\n\n\n\n<p>(2) \u201c<strong>[T]he focus of a first-party bad faith claim is whether the insurer in good faith timely and property investigated and resolved claims filed by the insured<\/strong>.\u201d&nbsp;<em>Cingari, supra<\/em>. In other words, the focus centers on the insurer\u2019s investigation of the cause of the loss. Remember, the insurer argued it did not discover the basis of the exclusion until AFTER it paid the policy limits per the appraisal process.<\/p>\n\n\n\n<p><strong>[T]he insurer\u2019s statements that it \u2018proceeded under an erroneous policy interpretation\u2019 in the umpire appointment suit [for the appraisal] and \u2018gratuitously\u2019 paid the policy limits and appraisal award certainly raise an inference that the insurer did not properly investigate the claim. The homeowner argued\u2026that the failure to properly investigate caused the insurer to improperly extend settlement of the claim through the appraisal process. In doing so, the insurer arguably violated the requirements in section 624.155(1)(b)1. and 2., Florida Statutes (2020), to \u2018attempt[] in good faith to settle claims\u2019 and \u2018promptly settle claims[.]<\/strong><\/p>\n\n\n\n<p>\u00a0<em>Cingari, supra<\/em>.<\/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\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>David Adelstein | Florida Construction Legal Updates Let\u2019s talk about a\u00a0statutory first-party bad faith claim\u00a0against an insurer under Florida law. A recent opinion, discussed below, does a nice job providing a synopsis of a first-party statutory bad faith claim against an insurer: The Florida Legislature created the&nbsp;first-party bad faith cause of action&nbsp;by enacting section 624.155,&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/lets-talk-about-a-statutory-first-party-bad-faith-claim-against-an-insurer\/\">Continue reading <span class=\"screen-reader-text\">Let&#8217;s Talk About a Statutory First-Party Bad Faith Claim Against an Insurer<\/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":[14],"tags":[],"class_list":["post-902336","post","type-post","status-publish","format-standard","hentry","category-construction-2","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>Let&#039;s Talk About a Statutory First-Party Bad Faith Claim Against an Insurer - Advise &amp; Consult, Inc.<\/title>\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\/lets-talk-about-a-statutory-first-party-bad-faith-claim-against-an-insurer\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Let&#039;s Talk About a Statutory First-Party Bad Faith Claim Against an Insurer - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"David Adelstein | Florida Construction Legal Updates Let\u2019s talk about a\u00a0statutory first-party bad faith claim\u00a0against an insurer under Florida law. 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