The quick response to this post is to "hire a really good and experienced real estate insurance lawyer and submit a really Civll Remedy message." It is obviously not business that we used to do on the first-party principle of good faith. What I taught just several years ago as the right way to complete Civil Procedure (CRN) notices, which is a requirement for a bad Faith mood, is no longer the best way to do it. Policyholders should not attempt to do this themselves. It has become extremely complex. Florida lawmakers have done it that way with recently enacted laws.
We can learn from the latest legal opinions on how to prepare the CRN that will survive the inevitable challenges to the new "specificity" required by section 624.1
Over the past five years, changes to the Florida Charter section 624,155 have occurred in response to case law interpreting provisions that had not been changed to keep up with technology and changes in insurance contracts. For example, before 2019, the charter stated that the department had the power to reject face-missing CRNs and if it exercised that authority, it required the department to "indicate the specific deficiencies in the notice." When an insurer questioned a message as insufficient in a lawsuit in bad faith, the insurers often claimed that the department's failure to reject a message due to lack of specificity showed that a CRN was sufficient to survive a challenge in a motion to reject. See Julien v. United Prop. & Cas. Ins. Co. 311 So. 3d 875, 879 (Fla. 2d DCA 2021) (rejects the argument that since section 624.155 (3) empowered the department to return defective CRNs "of lack of specificity", the Ministry considers that it is not appropriate to return a CRN as a sufficient legal issue). See Tropical Paradise Resorts, LLC v. Clarendon Am. Ins. Co. No. 08-60254, 2008 WL 3889577, * 4 (SD Fla. August 20, 2008) ("As further evidence that Tropical's announcements were sufficient, it notes that the announcements were accepted by the Department of Financial Services to launch 60-day 19659003] Also in 2019, the legislator added subsection 3 (f), which prohibits those who have submitted housing claims from submitting CRN numbers for sixty days after a valuation has been invoked by any party. § 624.155 (3) (f). ), Fla. Stat. (2021) ("A notice required under this subsection may not be filed within 60 days after any valuation has been invoked by any party to a home insurance claim.") Insurers previously claimed that applicants for assessment The Fifth District Rejected This Argument Landers v. State Farm Fla. Ins. Co. 234 So. 3d 856, 858 (Fla. 5th DCA 2018), holding:  To prevent an insured person from submitting a CRN inside n coverage and liability have been definitively established would undermine the purpose of the charter by further delaying the time required to assess and pay claims and discourage insurers from taking independent action in a timely manner.
In 2020, the legislator amended subsection three to reflect technical progress, both required by the institution and in general. Probably in response to the decision of the Second District Court in Harper v. GEICO Gen. Ins. Co. 272 So. 3d 448, 450 (Fla. 2d DCA 2019), which became final shortly after the legislative session 2019, the legislator amended outdated provisions that were adopted when the submission and service of CRN numbers took place by post. The other district interpreted the charter as written and considered that GEICO did not remedy its alleged malicious conduct in a timely manner by paying the benefits due sixty-five days after CRN was electronically submitted to the department but allegedly within sixty days of receiving CRN. The court noted that when the charter was adopted, the department required an insured person to fill out a paper form and email copies to both the department and the insurer, but in 2008 it changed the procedure to require the form to be submitted online. (with reference to Fla. Informational Bulletin 87-7, 1987 WL 1357228 (September 24, 1987) and Fla. Admin. Code R. 69J-123.002 (1)). The insured claimed that the report to the department at the same time gives a message to the insurer, but the record did not provide sufficient information to support this claim.
The conclusion, and given new cases and statutes, some best new methods are clear. Those who submit to CRN should be aware that bad faith differs from the contract claim – "an act of bad faith is contractual in nature and refers to an insurer's obligations as defined in the charter, not the express terms of the contract." Townhouse in Highland Beach Condo. Ass’n v. Qbe Ins. Corp. 504 F. Supp. 2d 1307, 1310 (S.D. Fla. 2007) (with reference to Pastor v. Union Central Life Ins. Co. 184 F. Supp. 2d 1301, 1306 (S.D. Fla. 2002)). The focus of the CRN should be the insurer's behavior, with reference to specific insurance provisions where applicable.
The purpose of a CRN is not to preserve all possible allegations of bad faith that a lawyer can later find, but to put the insurer on notice of conduct that may hold it liable for non-contractual damages. There is no provision that prevents an insured from filing multiple CRNs to deal with behavior when it is discovered. When preparing to file a CRN, attorneys should also consider the limitations of the form. It is a message, not a complaint, and the restrictions have been acknowledged. See Tropical Paradise Resorts, LLC v. Clarendon Am. Ins. Co. No. 08-60254-CIV, 2008 WL 3889577, * 4 (SD Fla. 20 August 2008) ("Given that the Charter requires that" the message be on a form provided by the department, & # 39; and since the form of the department provides only minimal scope for describing & # 39; the facts and circumstances giving rise to the infringement & # 39 ;, it would be very strange if an insured would have to incorporate every claim from his complaint in his communication. ").
Few lawyers have fully prosecuted a lawsuit, aka "bad faith", to the level where criminal damages are really relevant and taken the matter to court or settled with amounts that would really scare the insurer if they were exposed to a settlement. In this area of law, there are many practitioners who are not challengers. Catalog I am always interested in looking forward to the future. Develop new ways of looking at things.