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<p class=MsoNormal><span style='color:#1F497D'>I would agree if the check were
payable only to the mortgagee. As I said, you are still going to be inferior
to the prior lien of the mortgagee, but to the extent that the mortgagee doesn’t
claim against the funds, and since the check is not payable only to the
mortgagee, the claim <u>may</u> still have limited merit. <o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<div>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><b><span style='font-family:"Arial Rounded MT Bold","sans-serif";
color:#215868'>Larry R. Leiby, Esq.<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial","sans-serif";color:#1F497D'>Malka
& Kravitz, P.A. <o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial","sans-serif";color:#1F497D'>1300
Sawgrass Corp. Pkwy., Suite 100<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial","sans-serif";color:#1F497D'>Ft.
Lauderdale, FL 33323<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>Phone: 954-514-0984<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>Fax: 954-514-0985<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'><o:p> </o:p></span></b></p>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>e-mail: leiby@mkpalaw.com<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'><o:p> </o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial Rounded MT Bold","sans-serif";
color:#1F497D'>Board Certified in Construction Law<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial Rounded MT Bold","sans-serif";
color:#1F497D'>Fla. S. Ct. Certified Circuit Court Civil Mediator<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial Rounded MT Bold","sans-serif";
color:#1F497D'>Fellow, College of Commercial Arbitrators<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial Rounded MT Bold","sans-serif";
color:#1F497D'><o:p> </o:p></span></b></p>
</div>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<div>
<div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span
style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>
constructionlaw-bounces@lists.flabarrpptl.org
[mailto:constructionlaw-bounces@lists.flabarrpptl.org] <b>On Behalf Of </b>Gibbons,
Michael<br>
<b>Sent:</b> Thursday, September 29, 2011 11:11 AM<br>
<b>To:</b> RPPTL constructionlaw<br>
<b>Subject:</b> Re: [RPPTL-constructionlaw] question re: priority of claims to
insurance proceeds<o:p></o:p></span></p>
</div>
</div>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal style='margin-bottom:12.0pt'><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:"Arial","sans-serif";
color:blue'> Re applicability of Fla. Stat. s. 713.32,
it appears that the last sentence of that statute renders the section
inapplicable where, as here, there is a mortgagee with a lien perfected prior
to recording of NOC.</span><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p></o:p></span></p>
<div>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'> <o:p></o:p></span></p>
</div>
<p><b>Michael R. Gibbons (<a
href="http://lowndes-law.com/our-people/michael-r-gibbons">Bio</a>)<br>
Shareholder<br>
</b><span style='font-size:10.0pt;color:green'>Lowndes, Drosdick, Doster,
Kantor & Reed, P.A.<br>
450 South Orange Avenue, 8th Floor<br>
Orlando, FL 32801<br>
Phone: 407-418-6378<br>
Fax: 407-843-4444<br>
email:</span> <a href="mailto:michael.gibbons@lowndes-law.com"><span
style='font-size:10.0pt'>michael.gibbons@lowndes-law.com</span></a><br>
<span style='font-size:10.0pt;color:green'>website:</span> <a
href="http://www.lowndes-law.com/"><span style='font-size:10.0pt'>http://www.lowndes-law.com</span></a><br>
<br>
<img border=0 width=70 height=67 id="_x0000_i1025"
src="cid:image001.jpg@01CC7E9C.A3F8A0C0"><o:p></o:p></p>
<div>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'> <o:p></o:p></span></p>
</div>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p>
<div class=MsoNormal align=center style='text-align:center'><span
style='font-size:12.0pt;font-family:"Times New Roman","serif"'>
<hr size=2 width="100%" align=center>
</span></div>
<p class=MsoNormal style='margin-bottom:12.0pt'><b><span style='font-size:10.0pt;
font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;
font-family:"Tahoma","sans-serif"'>
constructionlaw-bounces@lists.flabarrpptl.org
[mailto:constructionlaw-bounces@lists.flabarrpptl.org] <b>On Behalf Of </b>Larry
Leiby<br>
<b>Sent:</b> Thursday, September 29, 2011 10:19 AM<br>
<b>To:</b> RPPTL constructionlaw<br>
<b>Subject:</b> Re: [RPPTL-constructionlaw] question re: priority of claims to
insurance proceeds</span><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Andrea,<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>You may want to make the owner
and lender aware that your client also has a lien on the insurance proceeds
pursuant to F.S. 713.32. It sounds like your lien is inferior to the lien
of the lender, but the lender also needs to be made aware of your claims
(against the proceeds and the property). The lender should
cooperate if it has been timely paid. If not …. Interpleader will
likely end up in the owner seeking fees. If you file your action to
enforce against the property and the insurance proceeds and you are successful,
the owner should not be able to claim fees. See 457 So.2d 597. <o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<div>
<p class=MsoNormal><b><span style='font-family:"Arial Rounded MT Bold","sans-serif";
color:#215868'>Larry R. Leiby, Esq.<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial","sans-serif";color:#1F497D'>Malka
& Kravitz,
P.A.
<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial","sans-serif";color:#1F497D'>1300
Sawgrass Corp. Pkwy., Suite 100<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial","sans-serif";color:#1F497D'>Ft.
Lauderdale, FL 33323<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>Phone: 954-514-0984<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>Fax: 954-514-0985<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'><o:p> </o:p></span></b></p>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>e-mail: leiby@mkpalaw.com<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'><o:p> </o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial Rounded MT Bold","sans-serif";
color:#1F497D'>Board Certified in Construction Law<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial Rounded MT Bold","sans-serif";
color:#1F497D'>Fla. S. Ct. Certified Circuit Court Civil Mediator<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial Rounded MT Bold","sans-serif";
color:#1F497D'>Fellow, College of Commercial Arbitrators<o:p></o:p></span></b></p>
<p class=MsoNormal><b><span style='font-family:"Arial Rounded MT Bold","sans-serif";
color:#1F497D'><o:p> </o:p></span></b></p>
</div>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<div>
<div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span
style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>
constructionlaw-bounces@lists.flabarrpptl.org
[mailto:constructionlaw-bounces@lists.flabarrpptl.org] <b>On Behalf Of </b>Andrea
Fair<br>
<b>Sent:</b> Thursday, September 29, 2011 9:58 AM<br>
<b>To:</b> RPPTL constructionlaw<br>
<b>Subject:</b> [RPPTL-constructionlaw] question re: priority of claims to
insurance proceeds<o:p></o:p></span></p>
</div>
</div>
<p class=MsoNormal><o:p> </o:p></p>
<p class=MsoNormal><span style='color:#1F497D'>I represent a contractor who
furnished ground stabilization related to sinkhole activity. My client
has a lien on the property for the work. The insurance company has cut a
check payable to the owner, my client, and the mortgage lender. The
owner’s attorney is holding the check but is trying to get the insurance
company to drop the owner’s name from the check and reissue a new check (I
suppose to avoid any involvement in a dispute between my client and the lender
for the insurance proceeds). The owner is also considering
interpleader. The lender has requested that the owner endorse the check
and send it to them and then they will consider what to do with it from there.
The owner does not want to do that because they feel the lender will not
release the funds to my client and then the owner still has liability to my
client. The mortgage was recorded before the NOC for my client’s
work. The mortgage provides that insurance proceeds will be applied to
restoration or repair of the property if it is economically feasible and
lender’s security is not lessened. Any suggestions on how to proceed from
this point?<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<div>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#244061'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#244061'>Andrea M. Fair-Purcell<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#244061'>Board Certified Construction Attorney<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Times New Roman","serif";
color:#244061'>▬▬▬▬▬▬▬▬▬▬▬▬<o:p></o:p></span></p>
<p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Times New Roman","serif";
color:#244061'>FAIR•LAW•PLLC</span></b><span style='font-size:16.0pt;
font-family:"Times New Roman","serif";color:#244061'><o:p></o:p></span></p>
<p class=MsoNormal><span style='font-family:"Times New Roman","serif";
color:#244061'>▬▬▬▬▬▬▬▬▬▬▬▬</span><span style='font-size:12.0pt;font-family:
"Times New Roman","serif";color:#244061'><br>
13046 Racetrack Road #236 <br>
Tampa, FL 33626 <br>
(813) 412-1077 phone<br>
(877) 879-4990 fax <br>
www.fairconstructionliens.com<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif";
color:#244061'><o:p> </o:p></span></p>
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