OSCAR R. DIAZ AND BETZAIDA MARTINEZ, APPELLANTS,
v.
TOWER HILL PRIME INSURANCE COMPANY, APPELLEE
AI-generated. These summaries, headnotes, and key points are machine-generated and may contain errors or omissions. Always verify against the full opinion text below. Not legal advice.
The court held that an insured's failure to disclose a contradictory report to the insurer before filing suit does not constitute concealment barring coverage under the policy.
[1] An insured's failure to disclose a report contradicting the insurer's initial denial of a sinkhole claim, prior to filing suit, does not constitute concealment that bars…
[2] Summary judgment is improperly granted when the insured's conduct does not violate a policy provision barring coverage.
Previewing 2 of 3 headnotes on this case. FLexlaw’s editorially structured points of law — every proposition, pinpointed — are reserved for members.
Join FLexlaw to unlock all legal intelligenceAppellants filed a sinkhole damage claim which was denied by Tower Hill. Appellants later obtained a report concluding the damage was from a sinkhole,…
The full statement of facts, procedural history, and disposition for this case are member content.
Join FLexlaw to unlock all legal intelligence© FLexlaw, Inc. — AI-generated enrichments are proprietary. All rights reserved.
Explore caselaw by topic → Browse Breach Of Contract cases and more on FLexlaw
Appellants Oscar R. Diaz and Betzaida Martinez seek review of a final judgment granting summary judgment to Tower Hill Prime Insurance Company. We reverse.
Tower Hill insures a piece of real property jointly owned by the appellants, which policy includes coverage for sinkhole damage. On or about March 8, 2010, the appellants noticed damage to their property and filed a claim with Tower Hill. After inspecting the property in compliance with section 627.707, Florida Statutes (2010), Tower Hill determined that the damage was not caused by sinkhole activity and subsequently denied the claim. The appellants then hired their own investigator, who concluded in a report issued August 24, 2011, that the damage was caused by sinkhole activity. On March 1, 2012, the appellants filed a claim against Tower Hill for breach of contract due to its denial of their claim for sinkhole damage. In September 2012, Tower Hill requested a neutral evaluation, and the appellants delivered the previously obtained but undisclosed report stating that the damage was caused by a sinkhole. Rather than proceeding with the neutral evaluation, Tower Hill moved for summary judgment on the basis that the appellants had concealed a material fact in violation of the policy by not disclosing this report. The court granted summary judgment, finding that Tower Hill had the right to deny all coverage under the terms of the policy due to the appellants’ failure to disclose this report.
However, this same argument was recently rejected by this court in Herrera v. Tower Hill Preferred Insurance Co., which involved an identical policy provision to the one cited by Tower Hill. — So.3d—, 2014 WL 5461969, 39 Fla. L. Weekly D2257 (Fla. 2d DCA Oct. 29, 2014) (finding that the plaintiffs failure to disclose a contradictory report to Tower Hill before filing suit did not constitute concealment barring coverage). Applying that ruling here, we reverse the final summary judgment in favor of Tower Hill.
Reversed and remanded for further proceedings.
ALTENBERND and CASANUEVA, JJ., Concur.