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<p class="MsoNormal">Good afternoon,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I am working on a matter involving the following issues.  Please let me know if you have any thoughts regarding any, or all, of the following:<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="mso-list:Ignore">1.<span style="font:7.0pt "Times New Roman"">      
</span></span><![endif]>Is anyone familiar with a line of cases dealing with FDUPTA claims based upon a broad exclusion/severe limitation of express and/or implied warranties in which the homeowner received nothing in exchange, and which likely involves issues
 of good faith and fair dealing?<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="mso-list:Ignore">2.<span style="font:7.0pt "Times New Roman"">      
</span></span><![endif]>Is anyone familiar with any legal authority which would bar a FDUPTA claim against an entity due to the fact that it is regulated by the Office of Insurance Regulation?<o:p></o:p></p>
<p class="MsoListParagraph"><o:p> </o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="mso-list:Ignore">3.<span style="font:7.0pt "Times New Roman"">      
</span></span><![endif]>Is anyone familiar with, or has worked on, cases where a home warranty company first offers to repair under the warranty and later claims non-coverage for the homeowner’s failure to accept the proposed repair, and in which a subsequent
 cause of action for declaratory relief in the form of waiver and/or estoppel was successful?   <o:p></o:p></p>
<p class="MsoListParagraph"><o:p> </o:p></p>
<p class="MsoNormal">Any thoughts are truly appreciated. <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><img width="132" height="62" id="Picture_x0020_1" src="cid:image001.jpg@01CF4E93.4F91D4B0" alt="ESK SIGNATURE"></span><span style="font-family:"Lucida Calligraphy";color:#131361"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Lucida Calligraphy";color:#131361"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman","serif";color:#131361">Erum S. Kistemaker, Esq. 
</span><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#131361"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"><img width="330" height="141" id="Picture_x0020_6" src="cid:image002.jpg@01CF4E93.4F91D4B0" alt="cid:image002.jpg@01CDFD3F.674BF2D0"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Bodoni MT","serif";color:black">            
</span><span style="font-family:"Bodoni MT","serif";color:#404040">1651 N. Clyde Morris Blvd., Suite 1<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Bodoni MT","serif";color:#404040">             Daytona Beach, FL 32117<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Bodoni MT","serif";color:#404040">             Tel: (386)310-7997<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Bodoni MT","serif";color:#404040">             Fax: (386) 478-4425<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Bodoni MT","serif";color:#404040">            
</span><span style="font-family:"Bodoni MT","serif";color:#1F497D"><a href="mailto:ekistemaker@e-kbusinesslaw.com"><span style="color:blue">ekistemaker@e-kbusinesslaw.com</span></a></span><span style="font-family:"Bodoni MT","serif";color:#404040"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Bodoni MT","serif";color:#404040">             </span><span style="color:#1F497D"><a href="http://www.e-kbusinesslaw.com/"><span style="font-family:"Bodoni MT","serif";color:blue">www.e-kbusinesslaw.com</span></a>
</span><span style="font-family:"Bodoni MT","serif";color:#404040">(Visit our website)<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">                 </span><span style="font-family:"Bodoni MT","serif";color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Bodoni MT","serif";color:#404040">      </span><span style="color:#1F497D">    
</span><span style="font-family:"Bodoni MT","serif";color:#404040"> </span><a href="http://www.daytonabizlaw.com/" target="_blank" title="Blogger"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:blue;text-decoration:none"><img border="0" width="52" height="52" id="Picture_x0020_11" src="cid:image003.png@01CF4E93.4F91D4B0" alt="blogger"></span></a><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#1F497D">     </span><a href="http://www.facebook.com/pages/Ertl-Kistemaker-Business-Law-Group/194086130632513"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#1F497D;text-decoration:none"><img border="0" width="51" height="51" id="Picture_x0020_10" src="cid:image004.png@01CF4E93.4F91D4B0" alt="http://2.bp.blogspot.com/-srCPH2I2yeg/TaSY-tADlXI/AAAAAAAABrQ/hl3r-VPoQeo/s1600/1279625440_facebook.png"></span></a><span style="color:#1F497D">     </span><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#1F497D">   </span><a href="http://daytonabusinesslawyers.com/news-community/kistemaker-newsletters/" title="E-News"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:blue;text-decoration:none"><img border="0" width="61" height="61" id="Picture_x0020_12" src="cid:image005.png@01CF4E93.4F91D4B0" alt="enews"></span></a><span style="color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:.5in">
<i><span style="color:#1F497D">   </span></i><i><span style="font-family:"Times New Roman","serif";color:#1F497D">Blog                         E-Newsletters<o:p></o:p></span></i></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:.5in">
<span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><u><span style="font-size:10.0pt;font-family:"Bodoni MT","serif";color:red">CONFIDENTIAL</span></u><span style="font-family:"Bodoni MT","serif";color:#404040"><o:p></o:p></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:justify">
<span style="font-size:10.0pt;font-family:"Bodoni MT","serif";color:red">The information contained in this e-mail transmission and any attachments thereto is legally privileged and confidential information intended only for the use of the recipient(s) named
 above.  If the reader of this transmission is not an intended recipient, you are hereby notified that any dissemination, distribution, or copying of this transmission is strictly prohibited.  If you have received this transmission in error, please immediately
 alert the sender by reply e-mail and delete this message and any attachments.<o:p></o:p></span></p>
<p class="MsoNormal" align="center" style="text-align:center"><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#76923C"><img border="0" width="74" height="54" id="Picture_x0020_5" src="cid:image006.jpg@01CF4E93.4F91D4B0" alt="Description: Description: Description: Description: Description: cid:image002.jpg@01CBB7F5.460A6CF0">please</span></b><b><span lang="EN-GB" style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#76923C"> consider
 the environment before printing this email </span></b><b><span style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#76923C"><img border="0" width="74" height="54" id="Picture_x0020_4" src="cid:image006.jpg@01CF4E93.4F91D4B0" alt="Description: Description: Description: Description: Description: cid:image002.jpg@01CBB7F5.460A6CF0"></span></b><span style="font-family:"Arial","sans-serif";color:#76923C"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
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