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 LARRY S. WHITELY and SHERRI C. WHITELY , Appellant s ,
v. Case No. 5D 16

- 3719 AMERICAN INTEGRITY INSURANCE COMPANY OF FLORIDA , Appellee

. ________________________________/ Opinion filed June 29, 2018 Appeal from the Circuit Court for Marion County , Lisa D. Herndon , Judge. Earl I

. Higgs, Jr, of Higgs Law, P

. A

. , Orlando, for Appellant. Gina S

. Glasgow and Andrew P. Rock , of The Rock Law Group, P

. A

. , Maitland, for Appellee.
P ER CURIAM. In this breach of contract suit, Larry and Sherri Whitely (“the Whitelys”) appeal a final summary judgment entered in favor of American Integrity Insurance Company of Florida (“AIIC”). The White l ys contend that the trial court erred in entering summary judgment because material issues of fact remained. We agree, and therefore reverse and remand for further proceedings.2 The White l ys purchased an all

- risks home insurance policy for their vacation
pr operty providing coverage from January 27, 2012, through January 27, 2013. On November 7, 2012, the Whitelys reported a claim for coverage to AIIC for water damage to the property that occurred sometime between October 5 and November 7, 2012

. AIIC
sent an expert to determine the cause, origin, and duration of the water damage. AIIC’s expert determined that a “water release event” in one of the bathrooms exposed the property to water for approximately thirty days

. AIIC then denied the White l ys’ claim
pursuan t to the following exclusionary provision in the Whitelys’ policy : “[W]e do not insure

. . . loss . . . caused by . . . c onstant or repeated seepage or leakage of water

. . . over a p eriod of 14 or more days from within a plumbing . . . system. ” The Whi te l ys filed suit for breach of contract , and AIIC moved for summary judgment, arguing that the policy unambiguously excluded the White l ys’ claimed loss based on the undisputed fact that the water exposure occurr ed for over fourteen days. At the summary judgment hearing, the Whit e lys argued in part that the exclusionary provision was ambiguous because it did not clearly address whether the policy covered a loss occurring within the first fourteen days of exposure

. 1 The trial court granted summary judgment in favor of AIIC, finding the exclusionary provision to be unambiguous, and subsequently entered final judgment in favor of AIIC. This Court recently addressed an analogous situation involving the same
exclusionar y provision

. Hicks v. Amer

. Integrity Ins

. Co

. of Fl a. , 241 So. 3d 925 (Fla. 5th DCA 2018). In Hicks , we held that “ an insurance policy excluding losses caused by

1 The White l ys also presented deposition testimony from their own expert ; the expert opined that the loss originated from a “sudden and accidental plumbing leak” that occurred for less than twenty

- six days but more than fourteen days.3 constant or repeated leakage or seepage over a period of fourteen days or more does not unamb iguously exclude losses caused by leakage or seepage over a period of thirteen days or less. ” Id. at 927 . We concluded that “[i] n an all

- risks policy, once the insured establishes a loss within the terms of a policy, the burden shifts to the insurer to
pro ve that a particular loss arose from an excluded cause. W hether such a determination is possible is a genuine issue of material fact precluding summary judgment. ” Id. at 928 (citation omitted). Here, both parties recognize that the White l ys established a loss to the property and that the property was exposed to water for over fourteen days. However, AIIC bore the burden of establishing that the policy excluded coverage for the loss as one “caused by constant or repeated seepage or leakage of water . . . over a period of 14 or more days.” See i d. at 927

‒ 28. The evidence at the summary judgment stage established that the loss was “caused by . . . leakage of water,” 2 but failed to establish that the loss did
not occur within the first fourteen d ays

. The undisputed fact that the property was exposed to water for more than fourteen days did not establish that the loss occurred on the fourteenth or later day of exposure p ursuant to the exclusionary provision. As in Hicks , “[w]hether such a determina tion is possible is a genuine issue of material fact precluding summary judgment. ” Id. at 928. Accordingly, we reverse and remand for further proceedings.
W e also write to address the supplemental authority AIIC filed the day before oral argument , which r eferenced a per curiam affirmance in Zimmerman v

. American Integrity

2 We reject the White l ys’ ambiguity arguments pertaining to this clause of the exclusionary provision

.4 Insurance , 212 So. 3d 376 (Fla. 5 th DCA 2015) (table decision)

. AIIC , who was also the appellee in Hicks , filed a motion for rehearing and certification i n Hicks also citing Zimmerman

. AIIC attached the appellate briefs from Zimmerman to its motion in Hicks , although it has not filed the briefs again here . In those briefs, AIIC forcefully argued that the plaintiff in Zimmerman had not raised entitlement to damages for the first thirteen days of leakage to the trial court and therefore failed to preserve the issue for appellate review. Our opinion denying AIIC’s motion in Hicks cogently sets forth why relying on a per curiam affirmance for precedential value i s generally inappropriate. See Hicks v. Amer

. Ins. Co. of Fla. , No. 5D17

- 1282, 2018 WL 2277119 (Fla. 5th DCA May 18, 2018). T his Court issues per curiam affirmance opinions for many reasons . Failure to preserve error is just one, but it demonstrates why per curiam affirmances are rarel y, if ever, of any precedential value. The opinion denying rehearing in Hicks also de monstrate s why AIIC’s argument based on Zimmerman was improper

. See id. AIIC’s position that Zimmerman mandated a different result in Hicks was undermined by its argument in Zimmerman that the dispositive issue was not preserved for review. Here , AIIC’s reliance on Zimmerman as supplemental authority, knowing that it had argued that an issue central to this case had not been preserved for review, is likewise inappropriate and disingenuous. REVERSED and REMANDED COHEN, C.J., TORPY and EISNAUGLE , JJ., concur

.