Court Opinion

ID: 9901982
Source: CourtListenerOpinion
Date Created: 2023-11-22 19:03:03.479709+00
Date Added: 2024-06-11T09:21:42.548073
License: Public Domain

SIXTH DISTRICT COURT OF APPEAL
                         STATE OF FLORIDA
                        _____________________________

                               Case No. 6D23-296
                       Lower Tribunal No. 2021-CA-002048
                        _____________________________

                                 REBECCA HUGHES,

                                     Appellant,

                                          v.

            UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY,

                                      Appellee.
                        _____________________________

                 Appeal from the Circuit Court for Collier County.
                            Elizabeth V. Krier, Judge.

                                November 22, 2023

PER CURIAM.

      This case concerns whether a statutory pre-suit notice requirement, enacted

after an insurance policy’s issuance, applies to an even later-filed action for breach

of that policy.1 Bound by precedent, we find that it does not.

      Appellant, Rebecca Hughes (“the Insured”), purchased a property insurance

policy from Appellee, Universal Property & Casualty Insurance Company (“the

      1
       This case was transferred from the Second District Court of Appeal to this
Court on January 1, 2023.
Insurance Company”), and sustained an alleged loss before the enactment of section

627.70152, Florida Statutes (2021). She filed her lawsuit, however, after section

627.70152’s enactment.

      Section 627.70152 requires an insured who desires to sue his or her property

insurance carrier to file a pre-suit notice of intent to litigate with the Department of

Financial Services before suing. If the insured fails to do so, section 627.70152

mandates that a court dismiss without prejudice2 any suit brought by the insured for

which pre-suit notice was required.

      In this case, shortly after the statute’s effective date, the Insured sued the

Insurance Company for breach of her property insurance policy without first filing

a pre-suit notice under section 627.70152. The Insurance Company moved to

dismiss based on the Insured’s failure to file the pre-suit notice, which the trial court

granted.

      On appeal, the Insured contends that the trial court erred by holding that she

had to file the pre-suit notice before bringing her lawsuit. Relying on the Florida

Supreme Court’s unanimous decision in Menendez v. Progressive Express

      2
        We have jurisdiction because the trial court’s order disposed of the Insured’s
complaint and required her to file a separate lawsuit. See Deutsche Bank Nat’l Tr.
Co. v. Quinion, 198 So. 3d 701, 703 (Fla. 2d DCA 2016) (citing Hinote v. Ford
Motor Co., 958 So. 2d 1009, 1010 (Fla. 1st DCA 2007) (“The order of dismissal is
clearly final when, for instance, the claim could only be pursued by filing a new
complaint . . . .”)). We review de novo the trial court’s dismissal of the Insured’s
complaint. See id.
                                          2
Insurance Co., 35 So. 3d 873 (Fla. 2010), the Insured argues that section 627.70152

is a substantive statute that cannot apply to a claim brought under an insurance policy

purchased before the statute’s enactment. For the reasons explained below, and even

though we might decide differently if writing on a blank slate, we conclude that we

are bound by Menendez and its progeny. We therefore reverse and certify conflict

with Cole v. Universal Property & Casualty Insurance Co., 363 So. 3d 1089 (Fla.

4th DCA 2023).

                     Section 627.70152, Florida Statutes (2021)

       When the Insured filed her lawsuit in August 2021, section 627.70152

contained eight interrelated subsections. 3 We begin by discussing the relevant

provisions and their relation to each other.

       Section 627.70152(1) states that “[t]his section applies exclusively to all suits

not brought by an assignee arising under a residential or commercial property

insurance policy . . . .”

       Section 627.70152(3)(a) creates the pre-suit notice requirement:

       As a condition precedent to filing a suit under a property insurance
       policy, a claimant must provide the department with written notice of
       intent to initiate litigation on a form provided by the department. Such
       notice must be given at least 10 business days before filing suit under
       the policy, but may not be given before the insurer has made a

       3
        Section 627.70152 was amended in May 2022 and again in December 2022.
Throughout this opinion, the Court discusses section 627.70152 as it read when the
Insured filed the lawsuit below in August 2021.
                                         3
      determination of coverage under s. 627.70131. . . . The notice must state
      with specificity all of the following information:

             1. That the notice is provided pursuant to this section.

             2. The alleged acts or omissions of the insurer giving rise
             to the suit, which may include a denial of coverage.

             3. If provided by an attorney or other representative, that a
             copy of the notice was provided to the claimant.

             4. If the notice is provided following a denial of coverage,
             an estimate of damages, if known.

             5. If the notice is provided following acts or omissions by
             the insurer other than denial of coverage, both of the
             following:

                    a. The presuit settlement demand, which must
                    itemize the damages, attorney fees, and costs.

                    b. The disputed amount.

      Section 627.70152(3)(b) tolls the statute of limitations, in certain

circumstances, for claims subject to the pre-suit notice requirement. That subsection

provides that “[s]ervice of a [pre-suit] notice tolls the time limits provided in s. 95.11

for 10 business days if such time limits will expire before the end of the 10-day

notice period.”

      Section 627.70152(4) imposes a duty on insurers to create procedures to

investigate and evaluate claims asserted in pre-suit notices and to respond in writing

to such notices:

      An insurer must have a procedure for the prompt investigation, review,
      and evaluation of the dispute stated in the notice and must investigate
      each claim contained in the notice in accordance with the Florida
                                            4
      Insurance Code. An insurer must respond in writing within 10 business
      days after receiving the notice specified in subsection (3). The insurer
      must provide the response to the claimant by e-mail if the insured has
      designated an e-mail address in the notice.

      Section 627.70152(4)(a) requires that “[i]f an insurer is responding to a notice

served on the insurer following a denial of coverage by the insurer, the insurer must

respond by: 1. Accepting coverage; 2. Continuing to deny coverage; or 3. Asserting

the right to reinspect the damaged property.” § 627.70152(4)(a)1.–3., Fla. Stat.

(2021). The statute then explains that “[i]f the insurer responds by asserting the right

to reinspect the damaged property, it has 14 business days after the response

asserting that right to reinspect the property and accept or continue to deny

coverage.” § 627.70152(4)(a)3. The statute of limitations is further tolled while the

insurance company reinspects the property:

      The time limits provided in s. 95.11 are tolled during the reinspection
      period if such time limits expire before the end of the reinspection
      period. If the insurer continues to deny coverage, the claimant may file
      suit without providing additional notice to the insurer.

Id.

      Section 627.70152(4)(b) requires insurers that did not completely deny

coverage of an initial claim to respond to a pre-suit notice with a settlement offer or

by demanding that the claimant participate in an alternative dispute resolution

process:

      If an insurer is responding to a notice provided to the insurer alleging
      an act or omission by the insurer other than a denial of coverage, the

                                           5
      insurer must respond by making a settlement offer or requiring the
      claimant to participate in appraisal or another method of alternative
      dispute resolution.

If the insurer demands that the insured participate in an alternative dispute resolution

process, this subsection provides for further tolling of the statute of limitations on

the insured’s claim during the alternative dispute resolution process:

      The time limits provided in s. 95.11 are tolled as long as appraisal or
      other alternative dispute resolution is ongoing if such time limits expire
      during the appraisal process or dispute resolution process.

§ 627.70152(4)(b).

      Section 627.70152(5) imposes a penalty of dismissal without prejudice for

claimants who file suit without first providing the required pre-suit notice:

      A court must dismiss without prejudice any claimant’s suit relating to
      a claim for which a notice of intent to initiate litigation was not given
      as required by this section or if such suit is commenced before the
      expiration of any time period provided under subsection (4), as
      applicable.

      Section 627.70152(7) provides for yet more tolling of the statute of limitations

for thirty days after the “presuit notice process”:

      If a claim is not resolved during the presuit notice process and if the
      time limits provided in s. 95.11 expire in the 30 days following the
      conclusion of the presuit notice process, such time limits are tolled for
      30 days.

                                           6
      Section 627.70152(8) contains multiple provisions concerning a claimant’s

ability to recover attorneys’ fees.4 Relevant to the pre-suit notice requirement,

section 627.70152(8)(b) provides that where a claimant’s lawsuit is dismissed for

failure to provide the pre-suit notice, the claimant may not recover any attorneys’

fees incurred for services rendered before the dismissal.

      Thus, section 627.70152 transformed an insured’s ability to sue an insurance

company under a property insurance policy and an insurer’s obligations to respond

to and pay insurance claims. The statute requires insureds to provide pre-suit notice

and, where they do not deny coverage completely, requires insurers to make a pre-

suit settlement demand. The statute mandates insurers to create and apply a new set

of procedures to investigate, evaluate, and respond to pre-suit notices. The statute

      4
         The bill enacting section 627.70152 also amended section 627.428, Florida
Statutes, which provided for awards of appellate fees to claimants who prevailed
against the insurer. Claimants in suits arising under property insurance policies not
brought by assignees are no longer entitled to recover reasonable attorneys’ fees
incurred in any action in which a judgment is rendered in favor of the insured, no
matter the recovery. Instead, the amounts of attorneys’ fees awards in such lawsuits
are governed by section 627.70152(8), which provides a specific method for
determining the amount of an award of attorneys’ fees based on the amount of
recovery. Because we determine that section 627.70152 is substantive and cannot
be applied retroactively even without considering the changes to the method of
calculating attorneys’ fees awards, we need not consider whether the change to the
method of calculating attorneys’ fees awards is severable from the rest of the
statutory enactment for purposes of determining retroactivity. On December 16,
2022, the Governor signed into law a bill further amending section 627.428 and
deleting section 627.70152(8). These amendments eliminated an insured’s statutory
right to recover attorneys’ fees in an action brought under a residential or commercial
property insurance policy.
                                            7
also contains four provisions altering the statute of limitations that would otherwise

apply to an insured’s claim under section 95.11, Florida Statutes.

      Most significantly, section 627.70152 creates a safe harbor for insurance

companies.     Before section 627.70152’s enactment, an insurer had a single

opportunity to evaluate and pay an insurance claim before being sued—when the

insured made the claim. If an insurer wrongfully denied a claim, the insured

immediately possessed a cause of action against the insurance company for breach

of the insurance policy, and the insured could immediately sue the insurance

company to recover damages and attorneys’ fees.            After section 627.70152’s

enactment, an insurer now has a second opportunity to evaluate and pay a claim and

to prevent the insured from asserting a cause of action for breach of the insurance

policy. Specifically, after the insurer receives a pre-suit notice of intent to litigate,

the insurer has an additional 10 business days to accept coverage and pay the claim.

If the insurer pays the claim during that period, the insured’s cause of action will

never ripen and the claim for attorneys’ fees the insured otherwise would have

possessed will never exist. This is the definition of a safe harbor.

      Further, if the insurance company invokes its right to reinspect the damaged

property, the insurance company will have an additional 14 business days in which

it can accept coverage and avoid the accrual of the insured’s cause of action for

breach of the insurance policy. In sum, section 627.70152 significantly alters an

                                           8
insurer’s obligation to pay and an insured’s right to sue under a property insurance

policy.

            Analysis on Section 627.70152’s Retroactive Application

      On appeal, the Insured argues that section 627.70152 is a substantive statute

that cannot apply retroactively to a claim brought under an insurance policy she

purchased before the statute’s enactment. The Insurance Company responds by

arguing that a retroactive application is clearly intended and constitutionally

permissible. While these arguments have some allure, we do not decide this case on

a blank slate. The Florida Supreme Court has addressed when statutes may apply

retroactively and we must apply its precedent faithfully, even if we might decide the

case differently as a matter of first principles.

I.    Applying Section 627.70152 to the Insured’s Lawsuit Would Constitute a
      Retroactive Application of the Statute.

      The parties appear to agree that the operative date for determining section

627.70152’s retroactive application is the subject policy’s issuance date. This makes

sense because to determine whether a statute concerning insurance contracts has

retroactive application, “we look at the date the insurance policy was issued and not

the date that the suit was filed or the accident occurred, because ‘the statute in effect

at the time an insurance contract is executed governs substantive issues arising in

connection with that contract.’” Menendez, 35 So. 3d at 876 (quoting Hassen v. State

Farm Mut. Auto. Ins., 674 So. 2d 106, 108 (Fla. 1996)). It is therefore clear the
                                            9
Insurance Company seeks to apply section 627.70152 retroactively. The question

remaining is whether the law allows it.

II.   Section 627.70152 cannot be applied retroactively.

      The Florida Supreme Court has set forth a two-part test to determine whether

a statute enacted after an insurance policy’s issuance applies retroactively.

Menendez, 35 So. 3d at 877. “First, the Court must ascertain whether the Legislature

intended for the statute to apply retroactively.” Id. To answer that question, we look

for “clear evidence of legislative intent to apply the statute retrospectively.” Fla. Ins.

Guar. Ass’n v. Devon Neighborhood Ass’n, 67 So. 3d 187, 194 (Fla. 2011) (quoting

Metro. Dade Cnty. v. Chase Fed. Hous. Corp., 737 So. 2d 494, 499 (Fla. 1999)); see

also State Farm Mut. Auto. Ins. v. Laforet, 658 So. 2d 55, 61 (Fla. 1995) (“The

general rule is that a substantive statute will not operate retrospectively absent clear

legislative intent to the contrary . . . .”). The Florida Supreme Court has emphasized

that the absence of a statement in a statute that the statute is inapplicable to existing

contracts does not constitute clear evidence of retroactive intent. See Devon, 67 So.

3d at 197. In sum, clear evidence means just that—actual clear evidence in the

statute that the Legislature intended the statute to apply retroactively.

      If the first part of the test—clear legislative intent for retractive application of

the statute—is satisfied, the Court must next “determine whether retroactive

application would violate any constitutional principles.” Menendez, 35 So. 3d at

                                           10
877. In this prong, “the central focus of this Court’s inquiry is whether retroactive

application of the statute ‘attaches new legal consequences to events completed

before its enactment.’” Id. (quoting Chase Fed., 737 So. 2d at 499). The Court must

reject retroactive application of a statute “if the statute impairs a vested right, creates

a new obligation, or imposes a new penalty.” Id. (citing Laforet, 658 So. 2d at 61);

see also Devon, 67 So. 3d at 194 (“[I]f a statute accomplishes a remedial purpose by

creating new substantive rights or imposing new legal burdens, the presumption

against retroactivity would still apply.” (quoting Chase Fed., 737 So. 2d at 500 n.9)).

In other words, the second prong of the test determines whether the statute is

substantive.

   (a) The Legislature did not intend for section 627.70152 to apply
       retroactively.

       Section 627.70152’s text contains no clear evidence of legislative intent for

retroactive application; there is no statutory language calling for application of the

statute to insurance policies issued before the statute’s effective date. In fact, section

627.70152 makes no mention at all of insurance policies issued before the statute’s

enactment. Rather, it contains an effective date of July 1, 2021, indicating legislative

intent for the statute to apply beginning on that date. See Devon, 67 So. 3d at 196

(“We have noted that the Legislature’s inclusion of an effective date for an

amendment is considered to be evidence rebutting intent for retroactive application

of a law.”). And of course, the Legislature wrote section 627.70152 and included
                                            11
the effective date against the backdrop of the Florida Supreme Court’s clear

precedent mandating that courts look “at the date the insurance policy was issued

and not the date that the suit was filed.” Menendez, 35 So. 3d at 876.

      The Insurance Company argues that the Legislature intended for section

627.70152 to apply retroactively because the statute states that it applies to “all suits

arising under a residential or commercial property insurance policy.” “All suits” in

section 627.70152(1), the argument goes, would include suits concerning insurance

policies issued both before and after the effective date of the statute. But this

subsection concerns the types of cases and policies to which the statute applies—

cases involving residential or commercial insurance policies not brought by

assignees, not when the statute applies.

      Further, the Legislature’s use of the phrase “all suits” in one subsection of an

eight-subsection statute is too inconclusive to constitute clear evidence of legislative

intent for the statute to apply retroactively. See Villar v. Scottsdale Ins., No. 22-CV-

21362, 2022 WL 3098912, at *5 (S.D. Fla. Aug. 4, 2022) (“Defendant’s reliance on

a single word ‘all’ is insufficient to rebut the presumption of prospective application

by showing ‘clear’ legislative intent that the law should be applied retroactively.

Reading the statute as a whole, there is no indication that the statute was intended to

be applied retroactively, and the word ‘all’ refers all cases arising in the future after

the effective date of the statute.”). When the Legislature wishes to give a statute

                                           12
retroactive effect, it has no trouble doing so clearly and unambiguously. See, e.g.,

Laforet, 658 So. 2d at 57 (describing 1990 statutory amendment that specifically

provided for retroactivity to 1982); Essex Ins. v. Integrated Drainage Sols., Inc., 124

So. 3d 947, 951 (Fla. 2d DCA 2013) (describing 2009 statutory amendments which

Legislature declared “are remedial in nature and operate retroactively to the

regulation of surplus lines insurers from October 1, 1988,” and opining that “[a]

more clear expression of legislative intent could hardly be found”). Accordingly, if

the Legislature intended for section 627.70152 to apply retroactively to insurance

policies issued before the statute’s effective date, it knew how to say so. This is

especially true in light of the Legislature’s obligation to speak “clearly” when it

intends a statute to apply retroactively and the Florida Supreme Court’s declaration

that courts would look to “the date the insurance policy was issued and not the date

that the suit was filed.” Menendez, 35 So. 3d at 876.

      We note that the Fourth District recently opined that the Legislature did

express a clear intent for section 627.70152 to apply retroactively. See Cole, 363

So. 3d at 1093. As the Insurance Company urges us to do, the Fourth District relied

on the statute’s use of “all.” Id. However, as we explained above, “all” refers to the

types of policies the statute applies to, not the timing of the statute’s applicability,

and reading the statute as a whole, we find this single word in one of eight

                                          13
subsections is insufficient to constitute clear evidence of legislative intent for the

statute to apply retroactively.

      Another statutory clue the Fourth District considered is silence:

              The statute goes further and provides that “[a]s a condition
      precedent to filing a suit under a property insurance policy, a claimant
      must provide the department with written notice of intent to initiate
      litigation on a form provided by the department.” § 627.70152(3)(a),
      Fla. Stat. Thus, it also applies to all policies, including those already in
      existence at the time of the statute’s effective date. If the legislature had
      intended to limit this presuit notice provision to policies issued after the
      statute’s effective date, the legislature would have included language
      stating so.

Id. (emphasis added). The italicized statement inverts Florida Supreme Court

precedent requiring clear evidence of intent for a statute to apply retroactively, not a

lack of evidence that the statute applies only prospectively. The absence of language

in a statute stating that the statute is inapplicable to existing insurance policies does

not constitute clear evidence of retroactive intent. See Devon, 67 So. 3d at 197. In

short, clear evidence must consist of more than silence.

                                           14
   (b) Even if the Legislature intended section 627.70152 to apply retroactively,
       section 627.70152 is substantive under precedent of the Florida Supreme
       Court and cannot be applied retroactively.

      Even if we agreed with the Fourth District that section 627.70152 contains

clear evidence of legislative intent to apply the statute retroactively, we would

nonetheless find that the statute is substantive and therefore cannot be applied

retroactively. Simply put, Menendez’s holding compels a finding that section

627.70152 is substantive in nature.

      Menendez involved an amendment to Florida’s “Required Personal Injury

Protection” (“PIP”) statute that imposed a pre-suit notice requirement similar to the

requirement imposed by section 627.70152. 35 So. 3d at 876–77. The Menendez

Court determined that the statutory amendment at issue contained clear evidence of

legislative intent to apply the statute retroactively. Id. at 877. Therefore, the

supreme court proceeded to determine whether the statute’s retroactive application

would violate any constitutional principles. Id.

      The supreme court noted that before the pre-suit notice provision’s enactment,

the PIP statute did not require an insured to provide notice to an insurer before filing

an action for overdue benefits. Id. at 878. After enactment, an insured had to provide

pre-suit notice . Id. If the insurer paid the claim within the additional time provided

by the statute, the insured could not sue for late payment or nonpayment; this

shielded the insurer from a claim for attorneys’ fees. Id. The supreme court also

                                          15
noted that the amendment tolled the statute of limitations on the insured’s claim

during the pre-suit notice process. Id. In finding that the pre-suit notice provision

was substantive, the supreme court concluded “that the most problematic provisions

of the statute [were] those which (1) impose[d] a penalty, (2) implicate[d] attorneys’

fees, (3) grant[ed] an insurer additional time to pay benefits, and (4) delay[ed] the

insured’s right to institute a cause of action.” Id.

      Importantly, the provision implicating attorneys’ fees at issue in Menendez

did not completely eliminate the insured’s right to recover attorneys’ fees. Id.

Rather, just like section 627.70152, the provision simply delayed the insured’s

ability to recover attorneys’ fees until after the pre-suit notice process and, if the

claim was resolved during the pre-suit notice process, then prevented the insured

recovering attorneys’ fees. Menendez, 35 So. 3d at 878–79. In finding this change

to the recovery of attorneys’ fees substantive, the Menendez Court relied on a First

District decision holding that a statutory amendment allowing an employer or insurer

an extra 16 days to provide benefits before incurring responsibility for attorneys’

fees a substantive statutory change. Menendez, 35 So. 3d at 879 (citing Stolzer v.

Magic Tilt Trailer, Inc., 878 So. 2d 437, 438 (Fla. 1st DCA 2004)). Here, section

627.70152 potentially allows an insurance company an extra 24 days to pay a claim

before exposure to an insured’s attorneys’ fees.

                                           16
      The Florida Supreme Court also relied on another First District case, which

found a statute was substantive because it created a safe harbor allowing a party to

avoid a claim for attorneys’ fees. Id. (citing Walker v. Cash Register Auto Ins. of

Leon Cnty., Inc., 946 So. 2d 66 (Fla. 1st DCA 2006)). This is exactly what section

627.70152 does, and the Menendez Court’s conclusion applies to the Insured’s

situation:

      [T]he 2001 statutory amendment cannot be applied retroactively
      because it allows an insurer to avoid an award of attorneys’ fees, which
      constitutes a substantive change to the statute in effect at the time the
      insureds’ insurance policy was issued. According to the new statutory
      presuit notice provisions, an insured is precluded from recovering
      attorneys’ fees if the insurer pays the claim within the additional time
      period provided by the statute. Similar to the safe harbor provisions at
      issue in Stolzer and Walker, which were found to be substantive, the
      amended statute in this case creates a “safe period” by extending the
      period of time in which the insurer could pay a claim. Thus, the
      amendment relieves the insurer of the obligation to pay fees and also
      constitutes a substantive change to the statute as it existed before the
      2001 amendment.

Menendez, 35 So. 3d at 879.

      Just like the amendment to the PIP statute at issue in Menendez, section

627.70152 allows an insurer to avoid an award of attorneys’ fees by paying a claim

during the safe harbor period provided by the pre-suit notice process. The Menendez

Court concluded that this was a substantive change to the statute, and so we must do

the same.

                                         17
      The Menendez Court further found the amendment to the PIP statute

substantive because it “permit[ted] a delayed payment from an insurer and postpones

an insured’s ability to bring a suit for overdue benefits.”5 Id. at 879. The supreme

court noted that before the PIP statute’s amendment, an insurance company had to

pay a PIP claim within thirty days after receiving a notice of loss. Id. “Moreover,

an insured had the right to bring suit for an overdue claim once the thirty days had

expired.” Id. After the PIP statute’s amendment, however, the insurer had more time

to pay the insurance benefits, and an insured could not sue until that time expired.

Id. The supreme court found that the additional time “substantively alters an

insurer’s obligation to pay and an insured’s right to sue under the contract.” Id. In

this respect, the pre-suit notice provision in section 627.70152 is indistinguishable

from the pre-suit notice provision at issue in Menendez. Section 627.70152 provides

an insurer additional time to pay property insurance benefits, and an insured cannot

sue to recover these benefits until the additional time expires. Under Menendez,

such a statutory change is substantive.

      5
        We read Menendez to state that the change to recovery of attorneys’ fees and
the change which permitted a delayed payment from an insurer and postponed an
insured’s ability to bring a suit each independently constitute substantive changes.
The Florida Supreme Court stated that the change to recovery of attorneys’ fees
constituted a substantive change and added that the change, which permitted a
delayed payment from an insurer and postponed an insured’s ability to bring a suit,
“also presents a substantive change.” Menendez, 35 So. 3d at 879 (emphasis added).
                                          18
      Nearing its conclusion, the Menendez Court summarized a statutory

amendment with effects largely synonymous with the ones before us:

             In our view, the statute, when viewed as a whole, is a substantive
      statute. Pursuant to the 2001 version of section 627.736, an insured
      must now take additional steps beyond filing an application for PIP
      benefits and beyond complying with section 627.727(4). This includes
      the preparation and provision of a written notice of intent to litigate,
      which requires the inclusion of additional information that the insured
      may not have access to and which may not be sent until the claim is
      considered overdue under section 627.727(4)(b). An insurer has
      additional time to meet its obligation under the statute, and an action
      for a claim of benefits and attorneys’ fees cannot be initiated until the
      additional time for payment has expired. Thus, the statute allows the
      insurer additional time to pay the claim and affects the insured's right
      to sue and recover attorneys’ fees.

Menendez, 35 So. 3d at 879–80 (emphasis added). Indeed, except for the words,

“which requires the inclusion of additional information that the insured may not have

access to,” this paragraph could have been written about section 627.70152.

      The Cole court distinguished Menendez on two grounds, but a subsequent

unanimous Florida Supreme Court decision easily resolves these distinctions.

Compare Devon, 67 So. 3d at 187, with Cole, 363 So. 3d at 1093.

      One year after the Florida Supreme Court issued Menendez, it decided Devon.

In Devon, the Florida Supreme Court applied Menendez’s two-part test to a case—

like this one—involving a property insurance policy. 67 So. 3d at 189. At issue in

Devon were a 2004 insurance policy and 2005 statutory amendments to an insurance

statute, section 627.7015, Florida Statutes. See id. at 190–91. The statute required

                                         19
an insurer to notify its insured about the availability of mediation. Id. at 191. Failure

to notify precluded the insurer from exercising its appraisal rights. Id. Before

amendment, and at the time the parties entered into the insurance contract, the statute

only applied to homeowner’s insurance policies. See § 627.7015(1) & (7), Fla. Stat.

(2004). The 2005 statutory amendment, however, expanded the notice obligation to

commercial residential policies. See § 627.7015(1) & (7), Fla. Stat (2005).

      The insured, a residential condominium association, argued that the insurer’s

failure to follow the subsequent statutory amendment precluded appraisal. See

Devon, 67 So. 3d at 190–91. The Devon Court held that the trial court had not

applied the controlling Menendez test.6 Id. at 193–94. It also opined that the

      6
          The Devon Court expressly endorsed the two-prong Menendez test as
binding. 67 So. 3d at 195–96. But it also acknowledged a preliminary inquiry from
its pre-Menendez retroactivity precedents, asking whether the amendatory statute
under review was “substantive,” or “procedural or remedial,” to first determine
whether the presumption against retroactive application—the first prong of the
Menendez test—applied. Id. at 194–95. Concluding that the amendatory statute was
“substantive” and therefore triggered the presumption, and that the presumption was
not overcome by clear legislative intent, the Devon Court did not reach the second
Menendez prong. Id. at 196–97. The Menendez Court itself did not acknowledge a
preliminary “substantive” inquiry, but rather assumed the first-prong presumption
against retroactivity applied, and found it overcome by clear legislative intent. 35
So. 3d at 877. But the Menendez Court’s ultimate conclusion that the statutory
amendment at issue could not be applied retroactively because it worked a
“substantive change to the statute,” 35 So. 3d at 875, indicates the preliminary
inquiry would have supported application of the first-prong presumption against
retroactivity. Because we conclude that the pre-suit notice provision at issue here
substantively alters the legal rights and obligations of insurers and insureds, the same
result is obtained under either approach. Cf. concurrence of White, J., infra.

                                           20
statutory amendments were substantive, observing that they imposed additional cost

and notice requirements, as well as a penalty for noncompliance. Id. at 194–95.

      The Cole court first sought to distinguish Menendez because it was a PIP case,

and it applied “a fundamentally different statutory framework, which includes ‘swift

and virtually automatic’ right of the insured to recover.” See Cole, 363 So. 3d at

1095 (quoting Menendez, 35 So. 3d at 877). As an initial matter, the Menendez Court

gave no indication it was limiting its holding to PIP cases. Indeed, it structured the

opinion by first outlining the PIP amendments at issue, and then applying “the

standard applicable to determining whether a statute should be applied

retroactively.” See Menendez, 35 So. 3d at 876. In this sense, the appropriate test is

untethered from the amended statute’s subject matter. Id.; see also Chase Fed., 737

So. 2d at 499 (applying two-part test to amended Dry Cleaning Contamination

Cleanup Act); Laforet, 658 So. 2d at 61 (applying two-part test to amendments of

statutes governing uninsured motorist claims). Regardless, Devon applies to the

same general type of property insurance policy at issue here. See Devon, 67 So. 3d

at 190.

      Finally, the Cole court distinguished Menendez by observing that the PIP

amendments were all “confined” to a particular statutory subsection. See Cole, 363

So. 3d at 1095. Given the Menendez Court’s admonition that we should determine

whether a statute is substantive by viewing it “as a whole,” we cannot view this

                                         21
subtle distinction as dispositive. See 35 So. 3d at 880. Even if we could, the 2005

statutory amendments in Devon applied to more than one statutory subsection.

Compare § 627.7015(1) & (7), Fla. Stat. (2005), with § 627.7015(1) & (7), Fla. Stat.

(2004). Therefore, bound by Menendez and its progeny, we find that section

627.70152 is substantive and cannot be applied retroactively to insurance policies

issued before the statute’s effective date.

                                   CONCLUSION

      Florida Supreme Court precedent requires us to hold that section 627.70152

does not apply retroactively to insurance policies entered into before the statute’s

effective date, both because the statute does not include clear evidence of intent for

the statute to apply retroactively and because the statute is substantive and cannot

constitutionally be applied retroactively. Accordingly, we reverse the trial court’s

order granting the Insurance Company’s motion to dismiss and remand this case to

the trial court for further proceedings consistent with this opinion. We certify

conflict with Cole v. Universal Property & Casualty Insurance Co., 363 So. 3d 1089

(Fla. 4th DCA, 2023).

      REVERSED and REMANDED. CONFLICT CERTIFIED.

TRAVER, C.J., and NARDELLA, J., concur.
WHITE, J., concurs in result, with opinion.

                                          22
                        _____________________________

 NOT FINAL UNTIL TIME EXPIRES TO FILE MOTION FOR REHEARING
          AND DISPOSITION THEREOF IF TIMELY FILED
                 _____________________________

WHITE, J., concurring in result, with opinion.

      While I agree that the trial court’s order must be reversed, I would do so for

somewhat different reasons and on a more limited basis.

      The supreme court has recognized “that sometimes ‘[t]he distinction between

substantive and procedural law is neither simple nor certain.’” Love v. State, 286

So. 3d 177, 183 (Fla. 2019) (quoting Caple v. Tuttle’s Design-Build, Inc., 753 So.

2d 49, 53 (Fla. 2000)). The Love court was asked to decide whether the statute that

changed the burden of proof at pretrial immunity hearings under the Stand Your

Ground law was procedural or substantive. 286 So. 3d at 179-80. It examined a

prior decision that described procedural/remedial statutes as those “‘which do not

create new or take away vested rights, but only operate in furtherance of the remedy

or confirmation of rights already existing.’” Id. at 184 (quoting Smiley v. State, 966

So. 2d 330, 334 (Fla. 2007) (internal quotation and citation omitted)). It also pointed

out that Smiley concluded that the original Stand Your Ground statute was

substantive because it created a new defense. Love, 286 So. 3d at 184.

      The supreme court acknowledged that it had declared that a statute is

substantive if it “‘achieves a remedial purpose by creating substantive new rights or

                                          23
imposing new legal burdens.’” Love, 286 So. 3d at 185 (quoting Smiley, 966 So. 2d

at 334 (internal quotation and citation omitted)). It did not disagree with Smiley but

concluded that case did not control because the new statute imposed a new

procedural burden, making it procedural not substantive. Love, 286 So. 3d at 184-

85.

      The Love court stated that its civil cases did not support a contrary conclusion

because those cases dealt with statutes that affected or created substantive duties,

liabilities, obligations, or rights. Id. at 185-86. It found that the new statute did not

create a new substantive right because the right to immunity was created in 2005.

Id. at 186. The supreme court concluded that the new statute “merely altered ‘the

method of conducting litigation involving’ that right.” Id. (quoting Caple, 753 So.

2d at 54 (internal quotation and citation omitted)).

      The Love court cited Caple several times. 286 So. 3d at 183, 185, 186.

Therefore, laying out its exposition is warranted:

      The distinction between substantive and procedural law is neither
      simple nor certain; however, our prior decisions offer some guidance.
      For example, in Haven Federal Savings & Loan Ass'n v. Kirian, we
      stated:

             Substantive law has been defined as that part of the law
             which creates, defines, and regulates rights, or that part of
             the law which courts are established to administer. State v.
             Garcia, 229 So. 2d 236 (Fla. 1969). It includes those rules
             and principles which fix and declare the primary rights of
             individuals with respect towards their persons and
             property. Adams v. Wright, 403 So. 2d 391 (Fla. 1981). On
                                           24
             the other hand, practice and procedure “encompass the
             course, form, manner, means, method, mode, order,
             process or steps by which a party enforces substantive
             rights or obtains redress for their invasion. ‘Practice and
             procedure’ may be described as the machinery of the
             judicial process as opposed to the product thereof.” In re
             Florida Rules of Criminal Procedure, 272 So. 2d 65, 66
             (Fla. 1972) (Adkins, J., concurring). It is the method of
             conducting litigation involving rights and corresponding
             defenses. Skinner v. City of Eustis, 147 Fla. 22, 2 So. 2d
             116 (1941).

      579 So. 2d 730, 732 (Fla. 1991) (emphasis added). See also Benyard v.
      Wainwright, 322 So. 2d 473, 475 (Fla. 1975) (stating that “[s]ubstantive
      law prescribes the duties and rights under our system of government,”
      while “[p]rocedural law concerns the means and method to apply and
      enforce those duties and rights”).

Caple, 753 So. 2d at 53-54.

      Prior to Love, the supreme court explained how the determination that

statutory amendments were substantive affected a retroactivity analysis. Devon, 67

So. 3d at 194-95. After going through its precedent that established a two-prong test

for the retroactivity analysis, the court declared:

      The importance of legislative intent in the retroactivity analysis was
      evident as early as 1887 when this Court stated, “It is a rule of
      construction that a statute shall not be given a retrospective effect,
      unless its terms show clearly that such an effect was intended.”
      McCarthy v. Havis, 23 Fla. 508, 2 So. 819, 821 (Fla. 1887). In 1920,
      this Court again stated, “A statute is not to be given retrospective effect,
      unless its terms show clearly that such an effect was intended.” In re
      Seven Barrels of Wine, 79 Fla. 1, 83 So. 627, 632 (Fla. 1920).

Devon, 67 So. 3d at 194. The court noted that it had explained that “‘a substantive

statute will not operate retrospectively absent clear legislative intent to the contrary,
                                           25
but . . . a procedural or remedial statute is to operate retrospectively.’” Id. (quoting

Laforet, 658 So. 2d at 61). The court pointed out, however, that it had cautioned that

“‘if a statute accomplishes a remedial purpose by creating new substantive rights or

imposing new legal burdens, the presumption against retroactivity would still

apply.’” Devon, 67 So. 3d at 194 (quoting Chase Federal, 737 So. 2d at 500 n.9).

      Turning to the case before it, the supreme court summarized the statutory

amendments at issue:

      [T]he statute in effect in 2004 when the policy was issued did not
      deprive a commercial residential insurer of its contractual right to
      require an appraisal of a claimed loss; the statute did not affect
      commercial residential insurance policies in 2004. The 2005 amended
      statute extended its reach to commercial residential insurers, requiring
      them to pay the cost of mediation and imposing the notice requirement
      on them. The amendments further imposed a new penalty on both
      commercial residential insurers as well as homeowners’ residential
      insurers—the loss of the right to the contractual appraisal if the insurer
      fails to give notice of the mediation alternative.

Devon, 67 So. 3d at 194-95. It concluded that the statute as amended “cannot be

characterized as simply procedural or remedial, but was clearly substantive.

Therefore, the presumption against retroactive application of the substantive

amendments . . . applies in this case.” Id. at 195.

      In this appeal, Devon requires us to determine whether the provisions of

section 627.70152 at issue are substantive. Before we do so, however, we must

decide which provisions are at issue.          The trial court granted the Insurance

Company’s motion to dismiss pursuant to section 627.70152(5) because it found that
                                          26
the Insured totally failed to comply with section 627.70152(3)(a) and retroactive

application was required by section 627.70152(1).

      The supreme court made clear that the two-prong test must be applied “in

determining the question of retroactivity of a legislative enactment.” Devon, 67 So.

3d at 196. An appellate court reviews decisions on matters presented to, and ruled

upon by, the lower tribunal. See Philip J. Padovano, 2 Fla. Prac., Appellate Practice

§ 8:7 & n.1 (2023 ed.). Here, the trial court was presented with, and ruled upon, the

question of retroactivity of sections 627.70152(1), (3)(a) and (5). Thus, we must

confine our review to the trial court’s decision on the question of retroactivity of

those provisions.

      Taken together, sections 627.70152(1), (3)(a) and (5) created a new duty by

requiring a written notice of intent to initiate litigation as a condition precedent to

filing a suit arising under a property insurance policy. Those provisions also created

a new defense (failure to perform a condition precedent) and a new penalty

(dismissal and loss of filing fee) for noncompliance with the new duty. Therefore,

those provisions are substantive. See Love, 286 So. 3d at 185-86; Devon, 67 So. 3d

at 194-95; Caple, 753 So. 2d at 53-54.

      Because sections 627.70152(1), (3)(a) and (5) are substantive, the

presumption against retroactive application governs. See Devon, 67 So. 3d at 195.

The supreme court has explained:

                                          27
      The presumption against retroactive application is a well-established
      rule of statutory construction that is appropriate in the absence of an
      express statement of legislative intent because

             a presumption against retroactivity will generally coincide
             with legislative and public expectations. Requiring clear
             intent assures that [the legislature] itself has affirmatively
             considered the potential unfairness of retroactive
             application and determined that it is an acceptable price to
             pay for the countervailing benefits. Such a requirement
             allocates to [the legislature] responsibility for fundamental
             policy judgments concerning the proper temporal reach of
             statutes, and has the additional virtue of giving legislators
             a predictable background rule against which to legislate.

      The presumption is rebutted by clear evidence of legislative intent.
      Thus, we have consistently required the first prong of a retroactivity
      analysis to inquire into whether there is clear evidence of legislative
      intent.

Id. (citations and quotations omitted).

      The statutory provisions at issue in this case do not clearly state that they are

to apply retroactively. However, the enacting law that created section 627.70152

states that it is to take effect on July 1, 2021. See ch. 2021-77, §§ 12, 15, Laws of

Fla. By including an effective date, the Legislature provided evidence that there was

no intent for retroactive application of the new statute. See Devon, 67 So. 3d at 196.

It is of no moment that the enacting law does not state that it is inapplicable to suits

arising under property insurance policies issued prior to the effective date. See id.

at 197.   Discerning no clear evidence of legislative intent to apply sections

627.70152(1), (3)(a) and (5) retroactively, I conclude that those provisions may not

                                          28
be utilized to dismiss the Insured’s suit that arose under the policy that was issued

by the Insurance Company before July 1, 2021. See Devon, 67 So. 3d at 197.

      Since this case can be resolved under the first prong of the retroactivity

analysis, we need not and should not determine whether retroactive application of

the statutory provisions at issue passes constitutional muster. See id.; see also In re

Holder, 945 So. 2d 1130, 1133 (Fla. 2006) (“Of course, we have long subscribed to

a principle of judicial restraint by which we avoid considering a constitutional

question when the case can be decided on nonconstitutional grounds.” (citing

cases)).

      For the foregoing reasons, the trial court erred by granting the Insurance

Company’s motion to dismiss, and I concur in the judgment to reverse and remand.

                           _____________________________

Raymond T. Elligett, Jr., and Amy S. Farrior, of Buell & Elligett, P.A., Tampa and
Matthew R. Danahy, of Danahy & Dunnavant, P.A., Tampa, for Appellant.

Dinah S. Stein, of Hicks, Porter, Ebenfeld & Stein, P.A., Miami, for Appellee.

                                          29