DocketNumber: 82-110
Citation Numbers: 429 So. 2d 779
Judges: Hendry, Baskin and Ferguson
Filed Date: 4/12/1983
Status: Precedential
Modified Date: 3/13/2020
District Court of Appeal of Florida, Third District.
*780 Levine, Reckson, Reed & Geiger and Robert S. Geiger, Miami, for appellant.
Pyszka & Kessler, Greene & Cooper and Joan M. Bolotin, Miami, for appellee.
Before HENDRY, BASKIN and FERGUSON, JJ.
HENDRY, Judge.
Appeal is taken from the final judgment in a declaratory judgment action where the trial court, sitting as trier of fact, awarded appellant Keller Industries $18,540.71 in attorney's fees but denied Keller damages under the contract of insurance. We affirm the final judgment upon a holding that: (1) as the party claiming coverage, Keller had the burden, which it failed to carry, to apportion damages and show that the settlement, or portions thereof, represented costs that fell within the coverage provisions of the policy, Jones v. Holiday Inns, Inc., 407 So.2d 1032 (Fla. 1st DCA 1981), petition for rev. denied, 417 So.2d 329 (Fla. 1982); Aetna Insurance Co. v. Waco Scaffold & Shoring Co., Inc., 370 So.2d 1149 (Fla. 4th DCA 1978), cert. denied, 368 So.2d 1375 (Fla. 1979); Universal Underwriters Insurance Corp. v. Reynolds, 129 So.2d 689 (Fla. 2d DCA 1961), (2) the record on appeal contains substantial, albeit conflicting, evidence to support the trial court's finding that the sum paid by Keller to settle the underlying lawsuit was attributable to the cost of replacing and repairing defective products and workmanship, items excluded under the policy provisions, rather than expenses for personal injury or property damage resulting from the defective product, Strawgate v. Turner, 339 So.2d 1112 (Fla. 1976); Neimark v. Abramson, 403 So.2d 1057 (Fla. 3d DCA 1981); Atkins v. Keller, 400 So.2d 168 (Fla. 3d DCA), petition for rev. denied, 411 So.2d 380 (Fla. 1981); see LaMarche v. Shelby Mutual Insurance Co., 390 So.2d 325 (Fla. 1980), and (3) an unjustified failure to defend does not require the insurer to pay a settlement where no coverage exists, Aetna Insurance Co. v. Waco Scaffold & Shoring Co., Inc., supra; *781 Stevens v. Horne, 325 So.2d 459 (Fla. 4th DCA 1975).
However, as the duty to defend is more extensive than the duty to indemnify, and some allegations in the complaint arguably fell within coverage of the policy, the trial court properly granted Keller attorney's fees for the insurer's unjustified refusal to defend. Florida Farm Bureau Mutual Insurance Co. v. Rice, 393 So.2d 552 (Fla. 1st DCA 1980), petition for rev. denied, 399 So.2d 1142 (Fla. 1981); Federal Insurance Co. v. Applestein, 377 So.2d 229 (Fla. 3d DCA 1979), cert. denied, 389 So.2d 1107 (Fla. 1980); C.A. Fielland, Inc. v. Fidelity and Casualty Company of New York, 297 So.2d 122 (Fla. 2d DCA 1974), cert. denied, 309 So.2d 6 (Fla. 1975).
Affirmed.
FIELLAND, INC. v. Fidelity and Cas. Co. of New York , 309 So. 2d 6 ( 1975 )
CA Fielland Inc. v. Fidelity & Cas. Co. of New York , 1974 Fla. App. LEXIS 6809 ( 1974 )
Jones v. Holiday Inns, Inc. , 407 So. 2d 1032 ( 1981 )
FLORIDA FARM BUR. MUT. INS. v. Rice , 393 So. 2d 552 ( 1980 )
Neimark v. Abramson , 403 So. 2d 1057 ( 1981 )
Strawgate v. Turner , 339 So. 2d 1112 ( 1976 )
Universal Underwriters Insurance Corp. v. Reynolds , 1961 Fla. App. LEXIS 2719 ( 1961 )
Federal Ins. Co. v. Applestein , 377 So. 2d 229 ( 1979 )
Stevens v. Horne , 325 So. 2d 459 ( 1975 )
Aetna Ins. Co. v. Waco Scaffold & Shoring Co. , 1978 Fla. App. LEXIS 16172 ( 1978 )
Jacob Horn v. Liberty Insurance Underwriters, Inc. ( 2021 )
Jodi Jacobs v. Mid-Continent Casualty Company ( 2022 )
Travelers Indemnity Co. v. Royal Oak Enterprises, Inc. , 344 F. Supp. 2d 1358 ( 2004 )
Sinni v. Scottsdale Insurance , 676 F. Supp. 2d 1319 ( 2010 )
Prudential Property & Casualty Insurance v. Calvo , 700 F. Supp. 1104 ( 1988 )
Camp Dresser & McKee, Inc. v. Home Insurance , 30 Mass. App. Ct. 318 ( 1991 )
Metro. Dade Cty. v. Fla. Aviation Fueling Co., Inc. , 578 So. 2d 296 ( 1991 )
Centex Homes Corp. v. Prestressed Systems, Inc. , 1984 Fla. App. LEXIS 11421 ( 1984 )
Carrousel Concessions v. Florida Ins. Guar. , 11 Fla. L. Weekly 489 ( 1986 )
Illinois Ins. Exchange v. SCOTTSDALE INS. , 679 So. 2d 355 ( 1996 )
McCreary v. FLA. RESIDENTIAL PROPERTY AND CASUALTY JOINT ... , 2000 Fla. App. LEXIS 1039 ( 2000 )
Marr Investments, Inc. v. Greco , 621 So. 2d 447 ( 1993 )
Florida Ins. Guar. Ass'n v. Giordano , 11 Fla. L. Weekly 558 ( 1986 )
Reinman, Inc. v. Preferred Mutual Ins. Co. , 12 Fla. L. Weekly 2410 ( 1987 )
American Casualty Co. v. Health Care Indemnity, Inc. , 613 F. Supp. 2d 1310 ( 2009 )
Guarantee Insurance v. Gulf Insurance , 628 F. Supp. 867 ( 1986 )
Adolfo House Distributing Corp. v. Travelers Property & ... , 165 F. Supp. 2d 1332 ( 2001 )
Highland Holdings, Inc. v. Mid-Continent Casualty Company , 687 F. App'x 819 ( 2017 )
FIDELITY & CAS. CO., NY v. Mobay Chemical Corp. , 252 Ill. App. 3d 992 ( 1993 )