40 Fla. L. Weekly D209a
Loss Payment. We will adjust all losses with you. We will pay you unless some other person is named in the policy or is legally entitled to receive payment. Loss will be payable:
a. Twenty (20) days after we receive your proof of loss and reach written agreement with you; or
b. Sixty (60) days after we receive your proof of loss; and:
(1) There is an entry of a final judgment; or
(2) There is a filing of an appraisal award or mediation settlement with us.
c. Within 90 days of receiving notice of a property insurance claim. We will pay or deny such claims, or portions thereof, unless there are factors beyond our control that would reasonably prevent payments.
In case of a loss to covered property, you must see that the following are done:
a. Give prompt notice to us or our agent;
. . . .
d. Protect the property from further damage. If repairs to the property are required, you must:
(1) Make reasonable and necessary repairs to protect the property; and
(2) Keep an accurate record of repair expenses;
e. Cooperate with us in the investigation of a claim;
f. Prepare an inventory of damaged personal property showing the quantity, description, “actual cash value” and amount of loss. Attach all bills, receipts and related documents that justify the figures in the inventory;
g. As often as we reasonably require:
(1) Show the damaged property;
(2) Provide us with records and documents we request and submit to recorded statements and examinations under oath, while not in the presence of any other “insured”, and sign the same.
Also, your representative, including any public adjuster engaged on your behalf, must each submit to recorded statements and examinations under oath, while not in the presence of any other “insured”, and sign the same.
. . . .
h. Send to us, within 60 days after our request, your signed, sworn proof of loss which sets forth, to the best of your knowledge and belief:
(1) The time and cause of loss;
(2) The interests of the “insureds” and all others in the property involved and all liens on the property;
(3) Other insurance which may cover the loss;
(4) Changes in title or occupancy of the property during the term of the policy;
(5) Specifications of damaged buildings and detailed repair estimates;
(6) The inventory of damaged personal property described in 4.f. above;
(7) Receipts for additional living expenses incurred and records that support the fair rental value loss; . . . .
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