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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='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 width=334 height=136 id="Picture_x0020_3" src="cid:image001.jpg@01CE9CE4.898B5710"></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"'> liability_insurance-bounces@lists.flabarrpptl.org [mailto:liability_insurance-bounces@lists.flabarrpptl.org] <b>On Behalf Of </b>Pence, Scott<br><b>Sent:</b> Monday, August 19, 2013 1:40 PM<br><b>To:</b> liability_insurance@lists.flabarrpptl.org<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 width=190 height=53 id="_x0000_i1025" src="cid:image004.png@01CE9CE3.ED1CA5F0" 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>