Lloyd Oliver Hunt and Deborah Hunt v. State Farm Florida Insurance Company , 2014 Fla. App. LEXIS 12810 ( 2014 )

DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA
FOURTH DISTRICT
July Term 2014
LLOYD OLIVER HUNT and DEBORAH HUNT,
Appellants,
v.
STATE FARM FLORIDA INSURANCE COMPANY,
Appellee.
No. 4D13-272
[August 20, 2014]
Appeal from the Circuit Court for the Seventeenth Judicial Circuit,
Broward County; David Krathen, Judge; L.T. Case No. 10-42215 (09).
Gregory C. Ward of The Ward Law Group, P.L., Miami, for appellants.
Elizabeth K. Russo of Russo Appellate Firm, P.A., Miami, and Butler,
Pappas, Weihmuller, Katz, Craig, LLP, Tampa, for appellee.
DAMOORGIAN, C.J.
Lloyd and Deborah Hunt appeal the circuit court’s final summary
judgment in favor of their insurer, State Farm Florida Insurance
Company. The Hunts primarily argue that their untimely pre-suit
submission of a sworn proof of loss did not preclude them from recovery
under the policy. We disagree and affirm.
By way of background, in October of 2005, the Hunts’ home was
damaged by Hurricane Wilma. At the time Hurricane Wilma hit, the
Hunts’ home was insured by State Farm. Under their policy, the Hunts
were required to provide State Farm with immediate notice of any loss,
and to submit a signed, sworn proof of loss “within [sixty] days after the
loss.” Despite this requirement, the Hunts did not provide State Farm
with a signed, sworn proof of loss until almost five years later, mere days
before they filed suit against State Farm for breach of contract. State
Farm moved for summary judgment, arguing that the Hunts materially
breached their duties under the policy by not timely submitting a sworn
proof of loss. The trial court agreed, finding that the Hunts breached a
condition precedent to coverage and failed to introduce any record
evidence to rebut that State Farm was prejudiced by their breach.
Accordingly, it entered final summary judgment in State Farm’s favor.
We agree with the circuit court’s ruling, which we review de novo.
Kramer v. State Farm Fla. Ins. Co., 95 So. 3d 303, 306 (Fla. 4th DCA
2012). It is well settled in Florida that submission of a sworn proof of
loss when required by an insurance policy is a condition precedent to
coverage. Id.; Soronson v. State Farm Fla. Ins. Co., 96 So. 3d 949, 953
(Fla. 4th DCA 2012). If the insured fails to comply with a condition
precedent before filing suit, its breach is deemed material, and thus the
insurer is relieved of its duties under the policy. Goldman v. State Farm
Fire Gen. Ins. Co., 660 So. 2d 300, 305 (Fla. 4th DCA 1995). See also
Starling v. Allstate Floridian Ins. Co., 956 So. 2d 511, 513−14 (Fla. 5th
DCA 2007). However, if the insured complies with the policy’s conditions
precedent before filing suit, albeit in an untimely manner, the insurer is
only relieved of its duties under the policy if it was prejudiced by the
insured’s breach. Kramer, 95 So. 3d 306. In such a scenario, prejudice
to the insurer is presumed and the insured bears the burden of rebutting
the presumption. Id. Here, the record reflects that the Hunts did not
come forward with any evidence rebutting the presumed prejudice State
Farm suffered as a result of their tardily submitted proof of loss. Thus,
the trial court properly entered summary judgment in State Farm’s favor.
Id.Additionally, we note that we are aware of the Florida Supreme
Court’s recent decision in State Farm Mutual Auto Insurance Co. v.
Curran, 135 So. 3d 1071 (Fla. 4th DCA 2014). We have considered
Curran, and do not find it instructive as there, the court clarified the
standards applicable to an insured’s breach of a condition subsequent to
coverage—not a condition precedent as is at issue in the instant case.
Id. at 1079.
Affirmed.
GROSS and KLINGENSMITH, JJ., concur.
* * *
Not final until disposition of timely filed motion for rehearing.
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