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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">A few other attys I know have bounced this around, and here is the Q&A.
<o:p></o:p></span></p>
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<span style="font-size:12.0pt;font-family:"Arial",sans-serif">Q: It is my understanding that we do not need to file pre-suit notices at this time for claims that took place prior to policy renewals of July 1<sup>st</sup>. This follows in line with the Menendez
case ruling. Any other thoughts?<o:p></o:p></span></li><ol start="1" type="a">
<li class="MsoListParagraph" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0in;mso-list:l0 level2 lfo1">
<span style="font-size:12.0pt;font-family:"Arial",sans-serif">A: SHOULD not apply to claims under policies issued before July 1<sup>st</sup>. BUT if the insured has waited a long time to file suit, fails to do the pre-suit notice, the SOL expires during the
pendency of the suit before the court rules on a MTD for lack of pre-suit notice, and a court makes a mistake and dismisses the lawsuit, now insured is facing an argument that this dismissal is with prejudice because the SOL expired. It worries me on cases
that are close to the SOL. Plus on cases that are not close to the SOL, I worry about using up a freebie without prejudice dismissal. Although the pre-suit notice can open the door to more delay and shenanigans, and although I do not think it applies as you
say, I am leaning toward approach of filing in an abundance of caution.<o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level2 lfo1;background:white">
<span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:black">A: That’s how I’m proceeding. I’m sure it will be litigated, but in light of Menendez case, the presuit notice should only be required with claims under policies issued on or after July
1. </span><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></li></ol>
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<p class="MsoListParagraph" style="margin-left:1.0in;background:white"><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
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<li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level1 lfo1"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Q: In response to our presuit demand/notice letter, the statute says that the insurer can require the claimant to participate
in appraisal or other ADR. Is this true even if the appraisal clause in the policy is not mandatory? Or if there is no appraisal clause in the policy at all? And would the appraisal process be binding (or nonbinding)? Could you still file suit after appraisal
process? What rules would govern the appraisal process, the policy? And do you think insurers will invoke appraisal in response to these presuit demand letters a lot? I was wondering the same … and what about the mediation programs per §627.7015? if you have
already attended such a mediation? And then upload your Notice of Intent to Initiate Litigation – then can carrier force you in to appraisal or another mediation? And can they do that, even if contrary to the policy?<o:p></o:p></span></li><ol style="margin-top:0in" start="1" type="a">
<li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level2 lfo1"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">A: The carrier cannot impose duties in contravention to the policy, nor does SB 76 authorize as such.
<o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level2 lfo1"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">A: These questions will be the subject of future litigation. I don’t see how the carrier can require the insured to attend
appraisal if appraisal is not in the policy or if appraisal requires the insured’s consent. And if appraisal is not in the policy, then there are literally no rules governing it. That should answer the remaining questions. Make sure you have your CRNs filed
(and preferably expired) by the time you provide the pre-suit notice (which we are not serving until after we get claims on a post-July 1 policy inception date)<o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level2 lfo1"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">A: We are going to comply, but add a footnote to the complaint that says we do not believe it applies but that we are
complying out of an abundance of caution. <o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level2 lfo1"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">A: I would read that statutory provision to be a clarification that if an insured files a notice of intention to initiate
litigation, that does not preclude a carrier from requiring the insureds from going through
<u>existing</u> alternative dispute resolutions, to the extent they are already provided for in the contract. The statute should not be read to create a new/independent right to require appraisal. To read it otherwise would run afoul of the Contracts clause,
Art. I, §X, Fla. Const. <o:p></o:p></span></li></ol>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><a href="https://www.myfloridacfo.com/division/consumers/civilremedy.htm">https://www.myfloridacfo.com/division/consumers/civilremedy.htm</a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Here is a link to the form.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Good luck!
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">Debbie<o:p></o:p></span></p>
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<p class="MsoNormal"><a href="http://napleslaw.com/" target="_blank"><span style="font-size:1.0pt;text-decoration:none"><img border="0" width="150" height="150" style="width:1.5625in;height:1.5625in" id="_x0000_i1025" src="cid:image001.jpg@01D777EB.110FB160"></span></a><span style="font-size:1.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#000001">Debbie S. Crockett</span><span style="font-size:1.0pt;font-family:"remialcxesans",serif;color:white"></span><span style="font-family:"Times New Roman",serif;color:#000001"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#000001">Attorney at Law<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#000001">Cheffy Passidomo, P.A.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#000001">4100 W. Kennedy Blvd., Suite 335<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#000001">Tampa, <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#000001">FL <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#000001">33609<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#000001"><a href="tel:(813)%20225-2684" target="_blank"><span style="color:#000001;text-decoration:none">(813) 225-2684</span></a><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#000001"><a href="mailto:dscrockett@napleslaw.com" target="_blank"><span style="color:#000001;text-decoration:none">dscrockett@napleslaw.com</span></a><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#000001"><a href="https://www.napleslaw.com/" target="_blank"><span style="color:#000001;text-decoration:none">www.napleslaw.com</span></a><o:p></o:p></span></p>
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<p class="MsoNormal"><b><u><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#000001">Main Office</span></u></b><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#000001"><br>
821 5th Avenue South<br>
Naples, FL 34102<br>
(239) 261‑9300<o:p></o:p></span></p>
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<p class="MsoNormal"><b>From:</b> clc-discussion-bounces@lists.flabarrpptl.org <clc-discussion-bounces@lists.flabarrpptl.org>
<b>On Behalf Of </b>RPPTL CLC-Discussion<br>
<b>Sent:</b> Tuesday, July 13, 2021 1:04 PM<br>
<b>To:</b> clc-discussion@lists.flabarrpptl.org<br>
<b>Subject:</b> [CLC-Discussion] New pre-suit notice for insurance claims Sect. 627.70152<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Has anyone filed the new pre-suit notice for property insurance claims that can share practice tips?
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Best regards,<br>
<br>
Daniel Greene<br>
Daniel M. Greene, P.A.<br>
Florida Board Certified in Construction Law<br>
Florida Supreme Court Certified Circuit Civil and Appellate Mediator<br>
P.O. Box 3092<br>
Orlando, FL 32802-3092<br>
407-448-5391<br>
<a href="http://www.dangreenelaw.com">www.dangreenelaw.com</a><br>
<a href="mailto:dan@dangreenelaw.com">dan@dangreenelaw.com</a><br>
<a href="mailto:dangreenelaw@gmail.com">dangreenelaw@gmail.com</a><br>
<br>
To ensure compliance with Treasury Regulations (31 CFR Part 10, Sec. 10.35), we inform you that any tax advice contained in this correspondence was not intended or written by us to be used, and cannot be used by you or anyone else, for the purpose of avoiding
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