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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='color:#1F497D'>Was in depositions today so missed the meeting, but the attached article from the Florida Bar Journal article is a good summary.<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-size:13.5pt;color:#0000A0'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:13.5pt;color:#0000A0'>Bruce D. Partington</span></b><span style='color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;color:#1F497D'>Clark</span><span style='color:#1F497D'> </span><span style='font-size:10.0pt;color:#1F497D'>Partington</span><span style='color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><a href="mailto:bpartington@cphlaw.com" title="blocked::mailto:bpartington@cphlaw.com"><span style='font-size:10.0pt'>bpartington@cphlaw.com</span></a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;color:#1F497D'>Direct: 850-432-1399</span><span style='color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;color:#1F497D'>Fax: 850-432-7340</span><span style='color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><i><span style='font-size:9.0pt;color:#1F497D'>*Board Certified in Construction Law</span></i><span style='color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;color:#1F497D'> </span><span style='color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:7.5pt;color:#1F497D'>NOTICE: This e-mail message and any attachments are private communication sent by the law firm of Clark Partington Hart Larry Bond & Stackhouse, and may contain confidential, legally privileged information meant solely for the intended recipient. If you are not the intended recipient, you are hereby notified that any use, dissemination, distribution or copying of this communication is strictly prohibited. Please notify the sender immediately by replying to this message, and delete the e-mail and any attachments from your system. Thank you.</span><span style='color:#1F497D'><o:p></o:p></span></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"'> liability_insurance-bounces@lists.flabarrpptl.org [mailto:liability_insurance-bounces@lists.flabarrpptl.org] <b>On Behalf Of </b>Debbie Crockett<br><b>Sent:</b> Monday, August 19, 2013 1:01 PM<br><b>To:</b> Pence, Scott; liability_insurance@lists.flabarrpptl.org<br><b>Subject:</b> Re: [Liability Insurance] FW: Florida Bar Insurance &Surety Committee Telephone Conference<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Arial","sans-serif";color:#5F497A'>Attached is the 2012 Florida Middle District <u> Axis</u> decision on trigger.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Arial","sans-serif";color:#5F497A'>If anyone wants the name of some other Florida cases, let me know; I am happy to provide. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Arial","sans-serif";color:#5F497A'><o:p> </o:p></span></p><div><p class=MsoNormal style='margin-left:.2in'><b><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#C00000'> Debbie Sines Crockett, Esq.<o:p></o:p></span></b></p><p class=MsoNormal style='margin-left:.2in'><b><span style='font-size:14.0pt;font-family:"Arial","sans-serif";color:#943634'><img border=0 width=334 height=136 id="Picture_x0020_3" src="cid:image001.jpg@01CE9CFE.F445E290"></span></b><span style='font-size:14.0pt;font-family:"Garamond","serif";color:#5F497A'><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Arial","sans-serif";color:#5F497A'><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"'> <a href="mailto:liability_insurance-bounces@lists.flabarrpptl.org">liability_insurance-bounces@lists.flabarrpptl.org</a> [<a href="mailto:liability_insurance-bounces@lists.flabarrpptl.org">mailto:liability_insurance-bounces@lists.flabarrpptl.org</a>] <b>On Behalf Of </b>Pence, Scott<br><b>Sent:</b> Monday, August 19, 2013 1:40 PM<br><b>To:</b> <a href="mailto:liability_insurance@lists.flabarrpptl.org">liability_insurance@lists.flabarrpptl.org</a><br><b>Subject:</b> [Liability Insurance] FW: Florida Bar Insurance & Surety Committee Telephone Conference<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='color:#1F497D'>FYI - I am forwarding the information below from Craig Stanovich, which relates to the question regarding the trigger in Florida (i.e. manifestation versus injury-in-fact) and the resulting conversation from our call this afternoon.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal style='margin-bottom:12.0pt'><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><img border=0 width=190 height=53 id="_x0000_i1026" src="cid:image002.png@01CE9CFE.F445E290" alt="Carlton Fields"><br>Scott Pence</span></b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><br>4221 W. Boy Scout Blvd., Ste. 1000<br>Tampa, Florida 33607-5780 <br>Direct: 813.229.4322 | Fax: 813.229.4133</span><span style='color:#1F497D'><o:p></o:p></span></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"'> Craig Stanovich [<a href="mailto:cstanovich@austinstanovich.com">mailto:cstanovich@austinstanovich.com</a>] <br><b>Sent:</b> Monday, August 19, 2013 1:41 PM<br><b>To:</b> Pence, Scott<br><b>Subject:</b> RE: [Liability Insurance] Florida Bar Insurance & Surety Committee Telephone Conference<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>Scott:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>Thanks for the invitation – I hope that this was helpful to the participants. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>As respects Florida’s manifestation trigger (and for whatever it is worth and is the basis for my comments), this is from a treatise – <u>General Liability Insurance Coverage – Key Issues in Every State – Randy Maniloff and Jeffrey Stempel</u> (Second Edition- 2012) at 417:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>“The manifestation trigger, which, by definition, limits coverage to a single policy year, was often advocated by insurers. However, it is the clear minority view.”<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>As respects Florida, the treatise states at 446: “The Eleventh Circuit of Appeals rejected a manifestation trigger and adopted an injury-in-fact trigger for the purposes of damage caused by construction defects.” And separately at 423: “A Florida District Court applied an injury-in-fact trigger to claims for environmental property damage.”<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>Best regards, <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>Craig F. Stanovich, CPCU, CIC, CRM, AU<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>Principal Consultant<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>Austin & Stanovich Risk Managers LLC<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>1174 Main Street<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>Holden, MA 01520<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>Email: <a href="mailto:cstanovich@austinstanovich.com">cstanovich@austinstanovich.com</a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>Website: <a href="http://www.austinstanovich.com">www.austinstanovich.com</a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>Phone: 888-540-7604 xt. 102<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'>Fax: 888-650-7803<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'><o:p> </o:p></span></p></div></body></html>