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Florida Statute 627.405 | Lawyer Caselaw & Research
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F.S. 627.405 Case Law from Google Scholar Google Search for Amendments to 627.405

The 2024 Florida Statutes

Title XXXVII
INSURANCE
Chapter 627
INSURANCE RATES AND CONTRACTS
View Entire Chapter
F.S. 627.405
627.405 Insurable interest; property.
(1) No contract of insurance of property or of any interest in property or arising from property shall be enforceable as to the insurance except for the benefit of persons having an insurable interest in the things insured as at the time of the loss.
(2) “Insurable interest” as used in this section means any actual, lawful, and substantial economic interest in the safety or preservation of the subject of the insurance free from loss, destruction, or pecuniary damage or impairment.
(3) The measure of an insurable interest in property is the extent to which the insured might be damnified by loss, injury, or impairment thereof.
History.s. 454, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 377, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318.

F.S. 627.405 on Google Scholar

F.S. 627.405 on Casetext

Amendments to 627.405


Arrestable Offenses / Crimes under Fla. Stat. 627.405
Level: Degree
Misdemeanor/Felony: First/Second/Third

Current data shows no reason an arrest or criminal charge should have occurred directly under Florida Statute 627.405.



Annotations, Discussions, Cases:

Cases Citing Statute 627.405

Total Results: 20

LUCILLE COVINGTON v. STATE FARM FIRE & CASUALTY CO.

Court: Fla. Dist. Ct. App. | Date Filed: 2021-11-16T23:53:00-08:00

Snippet: 585 So. 2d 445, 448 (Fla. 4th DCA 1991). Section 627.405 requires the insurable interest be present at the…destruction, or pecuniary damage or impairment.” § 627.405(2), Fla. Stat. (2012). Florida does not require…lawful, and substantial economic interest. See § 627.405(2), Fla. Stat. (2012). Thus, the trial court erred

AUNDREA COLE v. CITIZENS PROPERTY INSURANCE CORPORATION, etc.

Court: Fla. Dist. Ct. App. | Date Filed: 2021-08-25T00:53:00-07:00

Snippet: 1972). The King case is premised upon section 627.405 of the Florida Statutes that, among other things… loss, injury, or impairment thereof. § 627.405, Fla. Stat. (2013) (emphasis added). Cole

AUNDREA COLE v. CITIZENS PROPERTY INSURANCE CORPORATION, etc.

Court: Fla. Dist. Ct. App. | Date Filed: 2021-06-23T00:53:00-07:00

Snippet: 1972). The King case is premised upon section 627.405 of the Florida Statutes that, among other things… loss, injury, or impairment thereof. § 627.405, Fla. Stat. (2013) (emphasis added). Cole

ETHEL RECONCO v. INTEGON NATIONAL INSURANCE COMPANY

Court: Fla. Dist. Ct. App. | Date Filed: 2021-01-26T23:53:00-08:00

Snippet: beneficiary under the Policy pursuant to section 627.405, Florida Statutes (2018), and alleged that—at the… As stated by the court in Schlehuber, section 627.405 “sets out by way of negative statement the proposition…14, 2020) (rejecting the argument that section 627.405 itself confers standing and distinguishing several

RESTORATION 1 OF PORT ST. LUCIE, a/a/o JOHN and LIZA SQUITIERI v. ARK ROYAL INSURANCE COMPANY

Court: Fla. Dist. Ct. App. | Date Filed: 2018-09-05T00:53:00-07:00

Snippet: sole issue before [the] court is whether section 627.405 requires a post-loss assignee to have an insurable

Bioscience West, Inc. v. Gulfstream Property & Casualty Insurance Co.

Court: Fla. Dist. Ct. App. | Date Filed: 2016-02-05T00:00:00-08:00

Citation: 185 So. 3d 638, 2016 Fla. App. LEXIS 1548, 2016 WL 455723

Snippet: assignment of benefits to Bioscience violates section 627.405, Florida Statutes (2012), because Bioscience, an… “the things at the time of the loss.” Section 627.405(1) states' as follows: '“No contract …Apr. 10, 2015) (“We therefore construe section 627.405 to require the property owner who holds the policy…reject Gulf-stream’s interpretation of section 627.405 as well. Even if an insurance policy contained

Emergency Services 24, Inc. a/a/o Jay Meiselman v. United Property & Casualty Ins. Co.

Court: Fla. Dist. Ct. App. | Date Filed: 2015-05-20T00:00:00-07:00

Citation: 165 So. 3d 736, 2015 Fla. App. LEXIS 7624

Snippet: explained that the legislature, in enacting section 627.405, Florida Statutes, "did not state that it

One Call Property Services, Inc. a/a/o William Hughes v. Security First Insurance Company

Court: Fla. Dist. Ct. App. | Date Filed: 2015-05-20T00:00:00-07:00

Citation: 165 So. 3d 749, 2015 Fla. App. LEXIS 7643, 2015 WL 2393353

Snippet: explained that the legislature, in enacting section 627.405, Florida Statutes, "did not state that it

ASAP Restoration And Construction, Inc. a/a/o Suzanne Casey v. Tower Hill Signature Insurance Co.

Court: Fla. Dist. Ct. App. | Date Filed: 2015-05-20T00:00:00-07:00

Citation: 165 So. 3d 756, 2015 Fla. App. LEXIS 7633

Snippet: explained that the legislature, in enacting section 627.405, Florida Statutes, “did not state that it was displacing

Accident Cleaners, Inc. v. Universal Insurance Co.

Court: Fla. Dist. Ct. App. | Date Filed: 2015-04-10T00:00:00-07:00

Citation: 186 So. 3d 1, 2015 Fla. App. LEXIS 5199, 2015 WL 1609973

Snippet: intend in section 627.405 to alter common law. We therefore construe section 627.405 to require the property… the trial court incorrectly held that section 627.405, Florida Statutes (2013), required Appellant to…agree with Appellant and strictly construe section 627.405, holding that a post-loss assignee is not required…complaint was insufficiently pleaded because section 627.405 required Appellant to have an insurable interest…sole issue before this court is whether section 627.405 requires a post-loss assignee to have an insurable

Costa Del Sol Ass'n v. State, Department of Business & Professional Regulation, Division of Florida Land Sales, Condominiums, & Mobile Homes

Court: Fla. Dist. Ct. App. | Date Filed: 2008-07-02T00:00:00-07:00

Citation: 987 So. 2d 734, 2008 Fla. App. LEXIS 9910, 2008 WL 2596215

Snippet: permit their maintenance of valid insurance. See § 627.405, Fla. Stat. (2006); Brockton v. S. Life & Health

Liss v. Liss

Court: Fla. Dist. Ct. App. | Date Filed: 2006-09-06T00:00:00-07:00

Citation: 937 So. 2d 760, 2006 Fla. App. LEXIS 14883, 2006 WL 2557958

Snippet: indemnified by loss, injury, or impairment thereof. § 627.405, Fla. Stat. (2005); see also Lopez v. Life Ins.…That interpretation would be contrary to section 627.405. It would turn this accord into a War of the Roses1

Lawyers Title Ins. Corp. v. Wells

Court: Fla. Dist. Ct. App. | Date Filed: 2004-08-27T00:53:00-07:00

Citation: 881 So. 2d 668

Snippet: not enforce the title policy pursuant to section 627.405(1), Florida Statutes. Focus Inv. Assocs., Inc. … summary judgment from 10% to 6%. [2] Section 627.405, Florida Statutes, provides in pertinent part:

United Auto. Ins. Co. v. Rodriguez

Court: Fla. | Date Filed: 2001-11-07T23:53:00-08:00

Citation: 808 So. 2d 82

Snippet: Benefits due from an insurer under ss. 627.730-627.405 shall be primary, except that benefits received

BankAmerica Housing Services v. Allstate Insurance

Court: Fla. Dist. Ct. App. | Date Filed: 2000-10-27T00:00:00-07:00

Citation: 771 So. 2d 1218, 2000 Fla. App. LEXIS 13827

Snippet: as defined in section 627.405(2)(3). Section 627.405 provides as follows: 627.405. Insurable interest; …loss payable clause of Allstate’s policy. Section 627.405, Florida Statutes (1995), defines the term “insurable

Overton v. Progressive Ins. Co.

Court: Fla. Dist. Ct. App. | Date Filed: 1991-09-04T00:53:00-07:00

Citation: 585 So. 2d 445

Snippet: destruction, or pecuniary damage or impairment. Section 627.405(2), Florida Statutes (1982). The measure of this…injury, or impairment" of the vehicle. Section 627.405(3), Florida Statutes (1982); see Aetna Insurance

Aetna Casualty & Surety Co. v. Growers Properties, No. 58 Ltd.

Court: Fla. Dist. Ct. App. | Date Filed: 1989-04-05T00:00:00-07:00

Citation: 542 So. 2d 1028, 14 Fla. L. Weekly 884, 1989 Fla. App. LEXIS 1771, 1989 WL 32303

Snippet: the policy was unenforceable pursuant to section 627.405(1), Florida Statutes (1983). It is significant …regardless of the insured’s intentions. Section 627.405, Florida Statutes (1983), does not permit Aetna

Dyson & Co. v. FLOOD ENG., ARCH., PLAN.

Court: Fla. Dist. Ct. App. | Date Filed: 1988-04-15T00:53:00-07:00

Citation: 523 So. 2d 756

Snippet: protected under the builders' risk policy. Section 627.405(2), Florida Statutes (1985), states: "Insurable…an "insurable interest" under section 627.405(2). In this case, it is clear from the contract

Morgan v. American SEC. Ins. Co.

Court: Fla. Dist. Ct. App. | Date Filed: 1988-03-14T23:53:00-08:00

Citation: 522 So. 2d 454

Snippet: So.2d 716 *456 (Fla. 1st DCA 1972); and section 627.405(1) and (2), Florida Statutes. We affirm for the

Lloyd v. Foremost Insurance Co.

Court: Fla. Dist. Ct. App. | Date Filed: 1985-11-22T00:00:00-08:00

Citation: 478 So. 2d 1152, 10 Fla. L. Weekly 2622, 1985 Fla. App. LEXIS 17003

Snippet: destruction, or pecuniary damage or impairment. Section 627.405, Florida Statutes (1983). Based on this statute