DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA

FOURTH DISTRICT

FIRST PROTECTIVE INSURANCE COMPANY d/b/a FRONTLINE 

INSURANCE,

Appellant,

v.

MICHAEL AHERN,

Appellee.

No. 4D19-956

[August 21, 2019]

Appeal of a nonfinal order from the Circuit Court for the Seventeenth 

Judicial Circuit, Broward County; John B. Bowman, Judge; L.T. Case No. 

CACE 18-024459.

Jay M. Levy and Ryan L. Marks of Jay M. Levy, P.A., Miami, and Phillip 

J. Sheehe of Sheehe & Associates, P.A., Miami, for appellant.

Christopher Schirmer of Schirmer Law LLC, Fort Lauderdale, for 

appellee.

PER CURIAM.

We reverse the circuit court’s order denying the appellant insurance 

company’s motion to compel appraisal and remand for an evidentiary 

hearing on whether appellant waived its right to compel an appraisal.

A factual dispute exists as to whether the appellee homeowner’s public 

adjuster sent a letter to the insurance company demanding an appraisal; 

the insurance company denies ever receiving such a letter.

As the party relying on waiver, the homeowner has the burden of 

proving that issue by the greater weight of the evidence. See Goodwin v. 

Blu Murray Ins. Agency, Inc., 939 So. 2d 1098, 1104 (Fla. 5th DCA 2006). 

“Waiver is ‘the voluntary and intentional relinquishment of a known right 

or conduct which implies the voluntary and intentional relinquishment of 

a known right.’” LeNeve v. Via S. Fla., L.L.C., 908 So. 2d 530, 535 (Fla. 4th 

DCA 2005) (quoting Raymond James Fin. Servs., Inc. v. Saldukas, 896 So. 

2d 707, 711 (Fla. 2005)). As it relates to the waiver of the right to an 
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appraisal, “the primary focus is whether the [party] acted inconsistently 

with [its] appraisal rights.” Fla. Ins. Guar. Ass’n. v. Branco, 148 So. 3d 

488, 493 (Fla. 5th DCA 2014).

Other than the letter itself, there was no record evidence that the letter 

was mailed or delivered to the insurance company. Such evidence is 

insufficient to prove that the appraisal demand was made. See, e.g., Allen 

v. Wilmington Tr., N.A., 216 So. 3d 685, 687 (Fla. 2d DCA 2017) (explaining 

that a dated letter does not provide proof that the letter was mailed and a 

date “simply establishes when it was drafted”).

In Allen, the second district explained that the notice letter in that case 

needed to be accompanied by additional proof to establish that it was in 

fact mailed, “such as a return receipt or mailing log.” Id. at 688. The court 

also wrote that “[e]vidence of a company’s routine business practices . . .

may be sufficient to establish a rebuttable presumption of mailing . . . [but] 

the witness must have personal knowledge of the company’s general 

practice in mailing letters.” Id. (citation omitted). Here, there was no such 

testimony regarding the public adjuster’s routine business practices.

Here, a factual dispute between the parties existed: the homeowner 

stated that the letter was sent, and the insurance company denied 

receiving the letter. When a factual dispute exists as to whether a party 

requesting an appraisal complied with its post-loss obligations, the trial 

court must hold an evidentiary hearing to determine the issue of such 

compliance. Citizens Prop. Ins. Corp. v. Gutierrez, 59 So. 3d 177, 178-79 

(Fla. 3d DCA 2011); see also United Prop. & Cas. Ins. Co. v. Concepcion, 83 

So. 3d 908, 910 (Fla. 3d DCA 2012).

We therefore reverse and remand for an evidentiary hearing.

LEVINE, C.J., GROSS and KLINGENSMITH, JJ., concur.

* * *

Not final until disposition of timely filed motion for rehearing.