Court Opinion

ID: 9960865
Source: CourtListenerOpinion
Date Created: 2024-04-17 15:03:55.79311+00
Date Added: 2024-06-11T08:19:56.473093
License: Public Domain

Third District Court of Appeal
                               State of Florida

                         Opinion filed April 17, 2024.
       Not final until disposition of timely filed motion for rehearing.

                            ________________

                             No. 3D22-1438
                        Lower Tribunal No. 20-1317
                           ________________

                            Yohandy Varona,
                                  Appellant,

                                     vs.

                  SafePoint Insurance Company,
                                  Appellee.

     An appeal from the Circuit Court for Miami-Dade County, Beatrice
Butchko, Judge.

      Giasi Law, P.A., and Erin M. Berger, and Melissa A. Giasi (Tampa), for
appellant.

     Bickford & Chidnese, LLP, and Frieda C. Lindroth, and Patrick M.
Chidnese (Tampa), for appellee.

Before LOGUE, C.J., and MILLER, and LOBREE, JJ.

     MILLER, J.
      Affirmed. See LoBello v. State Farm Fla. Ins. Co., 152 So. 3d 595, 599

(Fla. 2d DCA 2014) (outlining two-step process to determine whether

insured’s untimely reporting of loss is sufficient to support denial of recovery

under policy as follows: “[t]he first step in the analysis is to determine whether

. . . the notice was timely given. If the notice was untimely, then prejudice to

the insurer is presumed”) (internal citations omitted); Navarro v. Citizens

Prop. Ins. Corp., 353 So. 3d 1276, 1280 (Fla. 3d DCA 2023) (finding insured

failed to act “with reasonable dispatch” and report “within a reasonable time”

by waiting to make claim until after damage was repaired) (quoting Laquer

v. Citizens Prop. Ins. Corp, 167 So. 3d 470, 474 (Fla. 3d DCA 2015)); Ideal

Mut. Ins. Co. v. Waldrep, 400 So. 2d 782, 785–86 (Fla. 3d DCA 1981)

(concluding reporting of six weeks after alleged loss is not prompt notice);

see also Laquer, 167 So. 3d at 474 (Fla. 3d DCA 2015) (holding notice is

prompt when given “‘with reasonable dispatch and within a reasonable time

in view of all of the facts and circumstances of the particular case’”) (quoting

Yacht Club on the Intracoastal Condo. Ass’n, Inc. v. Lexington Ins. Co., 599

F. App’x 875, 879 (11th Cir. 2015)); Arce v. Citizens Prop. Ins. Corp., 2024

WL 24945, at *5 (Fla. 3d DCA Jan. 3, 2024) (“Prejudice to the insurer from a

breach of the prompt notice provision is manifest, thus justifying the

presumption [of prejudice].”).