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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Colleagues,<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></b></p><p class=MsoNormal style='text-align:justify'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>My firm represents a contractor that has been performing Hurricane Irene repairs to single family homes in South Florida. My client’s contract with the homeowner requires it to estimate the cost to repair the damage, transmit the estimate to the homeowner’s insurance carrier and communicate with the carrier’s adjuster to finalize the claim. The contract states that the contractor will accept the amount paid by the insurance company, plus the amount of the insurance deductible paid by the homeowner, as full compensation for the repairs. <o:p></o:p></span></b></p><p class=MsoNormal style='text-align:justify'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></b></p><p class=MsoNormal style='text-align:justify'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>The homeowner wrongfully terminated the contract, and my client filed suit. One of the affirmative defenses to the claim is that the contract is illegal because the contractor is not licensed as a Florida public adjuster. My client insists that this affirmative defense has no merit. Does anyone have a case or ruling that supports my client’s position?<o:p></o:p></span></b></p><p class=MsoNormal style='text-align:justify'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></b></p><p class=MsoNormal style='text-align:justify'><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>I look forward to your responses.<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Alan<o:p></o:p></span></b></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Alan H. Lubitz, Esq. <br>Law Office of Alan H. Lubitz, P. A. <br>101 Plaza Real South<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Suite 401<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Boca Raton, FL 33432 <br>Phone: 561-368-4404<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Cell: 305-742-6556<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif'><a href="mailto:alanhlubitzpa@bellsouth.net"><span style='color:blue'>alanhlubitzpa@bellsouth.net</span></a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Times New Roman",serif'>This transmission is intended to be delivered only to the named addressee(s). This email may contain information that is confidential, proprietary, attorney work-product or attorney-client privileged. If you are not the intended recipient, nor the employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any dissemination or copying of this transmission (including any attachments) is strictly prohibited. If you have received this email in error, please notify the sender by email reply.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>