LINDA RABER AND CECIL RABER
v.
STATE FARM FLORIDA INSURANCE COMPANY

Fla. 5th DCA | 2021-01-26
No. 19-2228
Earp, J., Evander, C.J., Wallis, J., Sasso, J.
Florida District Court of Appeal, Fifth District (2021)

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Holding

An insurer may rely on untimely notice of loss as grounds for summary judgment where the delay prejudices the insurer's ability to evaluate the claim.


Headnotes

[1] Untimely notification of an insurance loss that prejudices the insurer's ability to evaluate the claim constitutes valid grounds for summary judgment in favor of the insu…

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Facts & Procedural History

Linda and Cecil Raber filed an insurance claim with State Farm Florida Insurance Company. The insureds provided notice of the loss after the time peri…

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Per_curiam
Per Curiam

IN THE DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA

FIFTH DISTRICT

NOT FINAL UNTIL TIME EXPIRES TO

FILE MOTION FOR REHEARING AND

DISPOSITION THEREOF IF FILED

LINDA RABER AND CECIL RABER,

Appellants,

v. Case No. 5D19-2228

STATE FARM FLORIDA INSURANCE

COMPANY,

Appellee.

________________________________/

Opinion filed January 26, 2021

Appeal from the Circuit Court for Brevard County, James H. Earp, Judge.

Matthew G. Struble and Christine Skubala Cohen, of Struble, P.A., Fort Lauderdale, for Appellants.

C. Ryan Jones and Scot E. Samis, of

Traub Lieberman Straus & Shrewsberry, LLP, St. Petersburg, for Appellee.

PER CURIAM.

AFFIRMED. See De La Rosa v. Fla. Peninsula Ins. Co., 246 So 3d 438, 442 (Fla. 4th DCA 2018) (affirming summary judgment entered in favor of insurer where insured untimely notified insurer of loss prejudicing the insurer in its ability to evaluate claim); Keel v. Indep. Life & Accident Ins. Co., 99 So. 2d 225, 227 (Fla. 1957) (“[W]hen an insurer denies liability during the period prescribed for the presentation of proof of

2

loss on grounds not relating to the proof of loss, such denial will ordinarily be considered as a waiver of the provisions of the policy requiring the filing of a proof of loss.”) (emphasis added).

EVANDER, C.J., WALLIS and SASSO, JJ., concur.


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