40 Fla. L. Weekly D2428cop of Form
Insurance
— Homeowners — Sinkhole claim — There is no merit to insurer’s contention
that it was entitled to directed verdict due to statutory presumption of
correctness afforded to certain findings and recommendations of engineering or
geological professionals, or insurer’s contention that it should not have had
burden of proof concerning the exclusion of coverage for sinkhole claim —
Interest — Insureds were not entitled to prejudgment interest from a point
prior to verdict where there was no factual determination establishing an
earlier fixed date of loss from which to calculate prejudgment interest
— Homeowners — Sinkhole claim — There is no merit to insurer’s contention
that it was entitled to directed verdict due to statutory presumption of
correctness afforded to certain findings and recommendations of engineering or
geological professionals, or insurer’s contention that it should not have had
burden of proof concerning the exclusion of coverage for sinkhole claim —
Interest — Insureds were not entitled to prejudgment interest from a point
prior to verdict where there was no factual determination establishing an
earlier fixed date of loss from which to calculate prejudgment interest
CITIZENS PROPERTY INSURANCE CORPORATION,
Appellant/Cross-Appellee, v. GERMAN ALVAREZ and LUZ MARROQUIN,
Appellees/Cross-Appellants. 2nd District. Case No. 2D13-5125. Opinion filed
October 30, 2015. Appeal from the Circuit Court for Hillsborough County; Sam D.
Pendino, Judge. Counsel: Kara Berard Rockenbach of Methe & Rockenbach,
P.A., West Palm Beach, for Appellant/Cross-Appellee. Laura Datz, Michael V.
Laurato, and Kimberly Hendee of Austin & Laurato, P.A., Tampa, for
Appellees/Cross-Appellants.
Appellant/Cross-Appellee, v. GERMAN ALVAREZ and LUZ MARROQUIN,
Appellees/Cross-Appellants. 2nd District. Case No. 2D13-5125. Opinion filed
October 30, 2015. Appeal from the Circuit Court for Hillsborough County; Sam D.
Pendino, Judge. Counsel: Kara Berard Rockenbach of Methe & Rockenbach,
P.A., West Palm Beach, for Appellant/Cross-Appellee. Laura Datz, Michael V.
Laurato, and Kimberly Hendee of Austin & Laurato, P.A., Tampa, for
Appellees/Cross-Appellants.
(ALTENBERND, Judge.) Citizens Property Insurance Corporation
appeals a final judgment in favor of its insureds, German Alvarez and Luz
Marroquin (the Insureds), arising from a disputed sinkhole claim. The Insureds
cross-appeal the denial of their request for prejudgment interest on the
$75,918.06 judgment. We affirm both the appeal and the cross-appeal.
appeals a final judgment in favor of its insureds, German Alvarez and Luz
Marroquin (the Insureds), arising from a disputed sinkhole claim. The Insureds
cross-appeal the denial of their request for prejudgment interest on the
$75,918.06 judgment. We affirm both the appeal and the cross-appeal.
In its appeal, Citizens argues that it was entitled to a
directed verdict due to a so-called statutory presumption of correctness, which
was afforded to certain findings and recommendations of engineering or
geological professionals in sinkhole claims under the law applicable in 2010. See
§ 627.7073(1)(c), Fla. Stat. (2010). It also argues that it should not have had
a burden of proof concerning the exclusion of coverage for this sinkhole claim.
This court has recently rejected both arguments. See Citizens Prop.
Ins. Corp. v. Munoz, 158 So. 3d 671 (Fla. 2d DCA 2014), petition for
discretionary review pending, No. SC15-414 (Fla. Mar. 13, 2015); Mejia
v. Citizens Prop. Ins. Corp., 161 So. 3d 576 (Fla. 2d DCA 2014). In the
event that the supreme court accepts jurisdiction in Munoz, we recognize
that the same issues are potentially dispositive in this appeal.
directed verdict due to a so-called statutory presumption of correctness, which
was afforded to certain findings and recommendations of engineering or
geological professionals in sinkhole claims under the law applicable in 2010. See
§ 627.7073(1)(c), Fla. Stat. (2010). It also argues that it should not have had
a burden of proof concerning the exclusion of coverage for this sinkhole claim.
This court has recently rejected both arguments. See Citizens Prop.
Ins. Corp. v. Munoz, 158 So. 3d 671 (Fla. 2d DCA 2014), petition for
discretionary review pending, No. SC15-414 (Fla. Mar. 13, 2015); Mejia
v. Citizens Prop. Ins. Corp., 161 So. 3d 576 (Fla. 2d DCA 2014). In the
event that the supreme court accepts jurisdiction in Munoz, we recognize
that the same issues are potentially dispositive in this appeal.
In the Insureds’ cross-appeal, they argue that they were
entitled to prejudgment interest from a point prior to the verdict. They rely
on the line of cases beginning with Argonaut Insurance Co. v. May Plumbing
Co., 474 So. 2d 212 (Fla. 1985). Citizens claims that this case is
controlled by our recent decision in Tower Hill Select Insurance Co. v.
McKee, 151 So. 3d 2 (Fla. 2d DCA 2014). We are not convinced that these
precedents are controlling.
entitled to prejudgment interest from a point prior to the verdict. They rely
on the line of cases beginning with Argonaut Insurance Co. v. May Plumbing
Co., 474 So. 2d 212 (Fla. 1985). Citizens claims that this case is
controlled by our recent decision in Tower Hill Select Insurance Co. v.
McKee, 151 So. 3d 2 (Fla. 2d DCA 2014). We are not convinced that these
precedents are controlling.
In this case, the claim for prejudgment interest was first
raised with the trial court after the jury had returned its verdict. The jury
instructions and the verdict form asked the jury to determine the amount of
loss by establishing the cost to repair the damage. Nothing in the record,
including the expert testimony on the cost of repair, supports a theory that
the jury was determining that cost for a date other than the date of the
verdict. There was dispute as to the cost of the repair, and the jury resolved
that dispute and liquidated the claim as of the date of the verdict. There
simply is no factual determination establishing an earlier “fixed date of loss”
from which to calculate prejudgment interest. See Albanese Popkin
Hughes Cove, Inc. v. Scharlin, 141 So. 3d 743, 746-48 (Fla. 3d DCA 2014).
We do not rule out the possibility that such a claim could be presented to a
jury in a manner that might allow for prejudgment interest. It simply was not
presented in such a manner in this case.
raised with the trial court after the jury had returned its verdict. The jury
instructions and the verdict form asked the jury to determine the amount of
loss by establishing the cost to repair the damage. Nothing in the record,
including the expert testimony on the cost of repair, supports a theory that
the jury was determining that cost for a date other than the date of the
verdict. There was dispute as to the cost of the repair, and the jury resolved
that dispute and liquidated the claim as of the date of the verdict. There
simply is no factual determination establishing an earlier “fixed date of loss”
from which to calculate prejudgment interest. See Albanese Popkin
Hughes Cove, Inc. v. Scharlin, 141 So. 3d 743, 746-48 (Fla. 3d DCA 2014).
We do not rule out the possibility that such a claim could be presented to a
jury in a manner that might allow for prejudgment interest. It simply was not
presented in such a manner in this case.
Affirmed. (CRENSHAW, J., and DAKAN, STEPHEN L., ASSOCIATE
SENIOR JUDGE, Concur.)
SENIOR JUDGE, Concur.)