Florida Statute 627.426 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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627.426 Claims administration.—

(1) Without limitation of any right or defense of an insurer otherwise, none of the following acts by or on behalf of an insurer shall be deemed to constitute a waiver of any provision of a policy or of any defense of the insurer thereunder:

(a) Acknowledgment of the receipt of notice of loss or claim under the policy.

(b) Furnishing forms for reporting a loss or claim, for giving information relative thereto, or for making proof of loss, or receiving or acknowledging receipt of any such forms or proofs completed or uncompleted.

(c) Investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any such loss or claim.

(2) A liability insurer shall not be permitted to deny coverage based on a particular coverage defense unless:

(a) Within 30 days after the liability insurer knew or should have known of the coverage defense, written notice of reservation of rights to assert a coverage defense is given to the named insured by United States postal proof of mailing, registered or certified mail, or other mailing using the Intelligent Mail barcode or other similar tracking method used or approved by the United States Postal Service sent to the last known address of the insured or by hand delivery; and

(b) Within 60 days of compliance with paragraph (a) or receipt of a summons and complaint naming the insured as a defendant, whichever is later, but in no case later than 30 days before trial, the insurer:

1. Gives written notice to the named insured by United States postal proof of mailing, registered or certified mail, or other mailing using the Intelligent Mail barcode or other similar tracking method used or approved by the United States Postal Service of its refusal to defend the insured;

2. Obtains from the insured a nonwaiver agreement following full disclosure of the specific facts and policy provisions upon which the coverage defense is asserted and the duties, obligations, and liabilities of the insurer during and following the pendency of the subject litigation; or

3. Retains independent counsel which is mutually agreeable to the parties. Reasonable fees for the counsel may be agreed upon between the parties or, if no agreement is reached, shall be set by the court.

History.—s. 475, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 375(1st), 377, 809(2nd), ch. 82-243; ss. 53, 79, ch. 82-386; s. 97, ch. 83-216; s. 114, ch. 92-318; s. 13, ch. 2019-108.

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Amendments to 627.426

Annotations, Discussions, Cases:

Cases Citing Statute 627.426

Total Results: 113

George Souran, as Personal Representative of the Estate of Linda Rebstock Von Bergen, George Souran, Individually v. Travelers Insurance Company, George Souran, as Personal Representative of the Estate of Linda Rebstock Von Bergen, and George Souran, Individually, R. Ronald Fraley, Peter J. Kelly, Richard M. Zabak, Daniel P. Mitchell v. Travelers Insurance Company

982 F.2d 1497, 24 Fed. R. Serv. 3d 1339, 1993 U.S. App. LEXIS 999

Court of Appeals for the Eleventh Circuit | Filed: Jan 21, 1993 | Docket: 1318047

Cited 74 times | Published

or uncompleted. 69 Id. § 627.426. Thus, if Travelers had a defense based upon

AIU Ins. Co. v. Block Marina Inv., Inc.

544 So. 2d 998, 14 Fla. L. Weekly 223, 1989 Fla. LEXIS 387, 1989 WL 44340

Supreme Court of Florida | Filed: Apr 27, 1989 | Docket: 1709651

Cited 48 times | Published

notice requirements of section 627.426(2), Florida Statutes (1985). Section 627.426(2) provides in pertinent

Patry v. Capps

633 So. 2d 9, 1994 WL 70091

Supreme Court of Florida | Filed: Mar 10, 1994 | Docket: 2484087

Cited 43 times | Published

notice by a mode other than that authorized in section 627.426(2)(a), Florida Statutes (1985), sufficient

Pepper's Steel & Alloys, Inc. v. United States Fidelity & Guaranty Co.

668 F. Supp. 1541, 1987 U.S. Dist. LEXIS 7989

District Court, S.D. Florida | Filed: Aug 12, 1987 | Docket: 952499

Cited 41 times | Published

presented are: (1) whether Florida Statute Annotated § 627.426(2) (West 1984) precludes any Defendants from raising

Lazzara Oil Co. v. Columbia Casualty Co.

683 F. Supp. 777, 1988 U.S. Dist. LEXIS 3175, 1988 WL 33263

District Court, M.D. Florida | Filed: Apr 15, 1988 | Docket: 330266

Cited 30 times | Published

contained in Fla.Stat. § 627.426 and, therefore, cannot deny coverage.[3] Section 627.426(2) provides in pertinent

Colony Ins. Co. v. G & E TIRES & SERVICE, INCORPORATED

777 So. 2d 1034, 2000 Fla. App. LEXIS 16961, 2000 WL 1880224

District Court of Appeal of Florida | Filed: Dec 29, 2000 | Docket: 1706911

Cited 29 times | Published

the policy, in whole or in part. Nor does Section 627.426(2), Florida Statutes (1997), somehow give rise

Doe v. Allstate Ins. Co.

653 So. 2d 371, 1995 WL 121600

Supreme Court of Florida | Filed: Mar 23, 1995 | Docket: 2234474

Cited 27 times | Published

noncompliance with the notice requirements of section 627.426(2), Florida Statutes (1985), precludes an insurer

Country Manors Ass'n, Inc. v. Master Antenna Systems, Inc.

534 So. 2d 1187, 1988 WL 120916

District Court of Appeal of Florida | Filed: Nov 16, 1988 | Docket: 1296067

Cited 24 times | Published

finds that International failed to comply with section 627.426(2), Florida Statutes (Supp. 1982), Florida's

Auto Owners Insurance v. Travelers Casualty & Surety Co.

227 F. Supp. 2d 1248, 2002 U.S. Dist. LEXIS 19478, 2002 WL 31114023

District Court, M.D. Florida | Filed: Sep 12, 2002 | Docket: 2518243

Cited 19 times | Published

Northbrook failed to comply with Florida Statute § 627.426 and are therefore prohibited from denying coverage

Britamco v. Cen. Jersey Investments

632 So. 2d 138, 1994 WL 35521

District Court of Appeal of Florida | Filed: Feb 9, 1994 | Docket: 371831

Cited 18 times | Published

pursuant to the Claims Administration Statute, section 627.426, Florida Statutes (1991). The insurer instituted

Basik Exports & Imports v. NATIONAL INS.

911 So. 2d 291, 2005 Fla. App. LEXIS 15785, 2005 WL 2439225

District Court of Appeal of Florida | Filed: Oct 5, 2005 | Docket: 1751802

Cited 17 times | Published

insured under a full reservation of rights. See § 627.426(2), Fla. Stat. (2004). The reservation of rights

Travelers Indemnity Co. v. Royal Oak Enterprises, Inc.

344 F. Supp. 2d 1358, 2004 WL 3770569, 2004 U.S. Dist. LEXIS 23353

District Court, M.D. Florida | Filed: Oct 13, 2004 | Docket: 2270334

Cited 17 times | Published

support in the Claims Administration Statute, § 627.426(2), Florida Statutes,[51] which provides that

PARADISE PLAZA v. Reinsurance Corp.

685 So. 2d 937

District Court of Appeal of Florida | Filed: Dec 19, 1996 | Docket: 1415669

Cited 15 times | Published

a "nonwaiver clause," which precludes it. See § 627.426(2),(b),2, Fla. Stat. (1995)("A liability insurer

Nationwide Mut. Fire Ins. Co. v. Keen

658 So. 2d 1101, 1995 WL 421142

District Court of Appeal of Florida | Filed: Jul 19, 1995 | Docket: 439126

Cited 15 times | Published

POLEN, J., concurs in result only. NOTES [1] § 627.426(2), Fla. Stat. (1993).

Hugh A. Carithers v. Mid-Continent Casualty Company

782 F.3d 1240, 2015 U.S. App. LEXIS 5540, 2015 WL 1529038

Court of Appeals for the Eleventh Circuit | Filed: Apr 7, 2015 | Docket: 2647232

Cited 12 times | Published

amendment was not permissible under Fla. Stat. § 627.426(2)(a), which, according to the district court

General SEC. Ins. Co. v. BARREENTINE

829 So. 2d 980, 2002 WL 31477118

District Court of Appeal of Florida | Filed: Nov 7, 2002 | Docket: 2513785

Cited 12 times | Published

reasoned that General Security had violated section 627.426(2), Florida Statutes, when it hired an attorney

Independent Fire Ins. Co. v. Arvidson

604 So. 2d 854, 1992 WL 171085

District Court of Appeal of Florida | Filed: Jul 22, 1992 | Docket: 2513282

Cited 12 times | Published

provisions of the Claims Administration Statute, section 627.426, Florida Statutes (1989), which was discussed

United Automobile Insurance Co. v. Salgado

22 So. 3d 594, 2009 Fla. App. LEXIS 10733, 2009 WL 2382408

District Court of Appeal of Florida | Filed: Aug 5, 2009 | Docket: 1639652

Cited 11 times | Published

requirements of the Claims Administrative Statute, section 627.426, Florida Statutes (1989). The trial court agreed

Philadelphia Indemnity Insurance v. Yachtsman's Inn Condo Ass'n

595 F. Supp. 2d 1319, 2009 U.S. Dist. LEXIS 9095

District Court, S.D. Florida | Filed: Jan 22, 2009 | Docket: 156936

Cited 11 times | Published

Florida Claims Administration Act, Fla. Stat. § 627.426(2) (2008), provides that "[a] liability insurer

National Fire Ins. v. Bartolazo

27 F.3d 518, 29 Fed. R. Serv. 3d 872, 1994 U.S. App. LEXIS 19678

Court of Appeals for the Eleventh Circuit | Filed: Aug 1, 1994 | Docket: 350817

Cited 11 times | Published

reservation of rights letter required under Section 627.426(2), Florida Statutes, in August 1991, and in

State Farm Mut. Auto. Ins. Co. v. Hinestrosa

614 So. 2d 633, 1993 WL 46129

District Court of Appeal of Florida | Filed: Feb 24, 1993 | Docket: 1509841

Cited 10 times | Published

with the "Claims Administration Statute," section 627.426(2), Florida Statutes (1989), which provides

Nationwide Mut. Fire Ins. Co. v. Beville

825 So. 2d 999, 2002 Fla. App. LEXIS 11286, 2002 WL 1799656

District Court of Appeal of Florida | Filed: Aug 7, 2002 | Docket: 306620

Cited 9 times | Published

"coverage defense" within the meaning of CSA. Section 627.426(2) bars the carrier from asserting a coverage

Progressive American Ins. Co. v. Papasodero

587 So. 2d 500, 1991 WL 178164

District Court of Appeal of Florida | Filed: Sep 13, 1991 | Docket: 1405801

Cited 8 times | Published

noncompliance with the Claims Administration Statute, section 627.426, Florida Statute (1989). She asserted that

US Fid. & Guar. Co. v. AMER. FIRE & INDEM. CO.

511 So. 2d 624

District Court of Appeal of Florida | Filed: Jul 16, 1987 | Docket: 1700842

Cited 8 times | Published

This case involves a question of whether section 627.426(2), Florida Statutes, creates coverage under

Florida Physicians Ins. Co. v. Stern

563 So. 2d 156, 1990 WL 73330

District Court of Appeal of Florida | Filed: Jun 6, 1990 | Docket: 1281323

Cited 7 times | Published

contends the trial court erred when it found that section 627.426, Florida Statutes (1987) barred FPIC's denial

Mid-Continent Casualty Co. v. Basdeo

742 F. Supp. 2d 1293, 2010 U.S. Dist. LEXIS 101097, 2010 WL 3766874

District Court, S.D. Florida | Filed: Sep 27, 2010 | Docket: 2342068

Cited 6 times | Published

Further, Defendants argue that the FCAS, Section 627.426, Fla. Stat., does not require an insured to

Almendral v. Security Nat. Ins. Co.

704 So. 2d 728, 1998 WL 10871

District Court of Appeal of Florida | Filed: Jan 14, 1998 | Docket: 1355119

Cited 6 times | Published

prescribed by the Claims Administration Statute, Section 627.426(2), Florida Statutes (1995)[3]. We similarly

Coregis Insurance v. McCollum

961 F. Supp. 1572, 1997 U.S. Dist. LEXIS 5137, 1997 WL 189096

District Court, M.D. Florida | Filed: Apr 11, 1997 | Docket: 2169696

Cited 6 times | Published

assert that Plaintiff has failed to comply with Section 627.426(2) of the Florida Statutes, which dictates

Aetna Commercial Ins. v. American Sign Co.

687 So. 2d 834, 1996 Fla. App. LEXIS 12839, 1996 WL 709209

District Court of Appeal of Florida | Filed: Dec 11, 1996 | Docket: 1718512

Cited 6 times | Published

intended to assert that defense as required by section 627.426(2)(a), Florida Statutes (1993). Accordingly

Airmanship, Inc. v. US Aviation Underwriters, Inc.

559 So. 2d 89, 1990 WL 11811

District Court of Appeal of Florida | Filed: Apr 24, 1990 | Docket: 1522285

Cited 6 times | Published

of its denial of liability as specified in section 627.426(2)(a), Florida Statutes (1987), because its

Phoenix Ins. Co. v. McCormick

542 So. 2d 1030, 1989 WL 32297

District Court of Appeal of Florida | Filed: Apr 7, 1989 | Docket: 1515846

Cited 6 times | Published

comply with the Claims Administration Statute, section 627.426, Florida Statutes (1985). Since the McCormicks

American States Ins. Co. v. McGuire

510 So. 2d 1227, 12 Fla. L. Weekly 1972

District Court of Appeal of Florida | Filed: Aug 13, 1987 | Docket: 1587255

Cited 6 times | Published

in this case is now expressly proscribed by section 627.426(2), Florida Statutes.[4] We find the trial

Auto Owners Ins. Co. v. Salvia

472 So. 2d 486, 10 Fla. L. Weekly 1403, 1985 Fla. App. LEXIS 14906

District Court of Appeal of Florida | Filed: Jun 6, 1985 | Docket: 1794312

Cited 6 times | Published

because of Auto Owners' failure to comply with section 627.426(2), Florida Statutes (1983). Salvia purchased

Embroidme.com, Inc. v. Travelers Property Casualty Company of America

845 F.3d 1099, 2017 WL 74694

Court of Appeals for the Eleventh Circuit | Filed: Jan 9, 2017 | Docket: 4564612

Cited 5 times | Published

Florida’s Claims Administration Statute, Fla. Stat. § 627.426, makes sense to me, but it runs counter to the

Geico General Insurance Co. v. Pruitt

122 So. 3d 484, 2013 WL 5338778, 2013 Fla. App. LEXIS 15201

District Court of Appeal of Florida | Filed: Sep 25, 2013 | Docket: 60234701

Cited 5 times | Published

the Florida Claims Administration Statute, section 627.426, Florida Statutes (1983). Based on this statutory

Hartford Ins. Co. v. BellSouth Telecommunications, Inc.

824 So. 2d 234, 2002 WL 1626084

District Court of Appeal of Florida | Filed: Jul 24, 2002 | Docket: 1435213

Cited 5 times | Published

Administration Statute, section 627.426, Florida Statutes (1999). Section 627.426(2) provides: (2) A liability

Atlantic Casualty & Fire Insurance v. National American Insurance

915 F. Supp. 1218, 1996 U.S. Dist. LEXIS 4728, 1996 WL 69731

District Court, M.D. Florida | Filed: Jan 10, 1996 | Docket: 1184667

Cited 5 times | Published

precluded from taking that position now. It cites to § 627.426(2), Fla.Stat. (1994) (Florida's "Claims Administration

HERSHEL BRYANT and BETTY BRYANT v. GEOVERA SPECIALTY INSURANCE COMPANY

271 So. 3d 1013

District Court of Appeal of Florida | Filed: May 8, 2019 | Docket: 15071948

Cited 4 times | Published

‘sworn proof of loss’ requirement.” (quoting § 627.426(1)(c), Fla. Stat. (2007)). Our resolution of the

Mid-Continent Casualty Co. v. King

552 F. Supp. 2d 1309, 2008 U.S. Dist. LEXIS 20029, 2008 WL 706541

District Court, N.D. Florida | Filed: Mar 11, 2008 | Docket: 2353211

Cited 4 times | Published

waived by Mid-Continent pursuant to Fla. Stat. § 627.426(2); and (4) Mid-Continent's affirmative defenses

MUNICIPAL INS. TRUST v. Village of Golf

850 So. 2d 544, 2003 WL 1824763

District Court of Appeal of Florida | Filed: Aug 6, 2003 | Docket: 2513756

Cited 4 times | Published

trial court erred in instructing the jury on section 627.426(2)(a), Florida Statutes (1995) which provides:

North American Biologicals Inc., Seattle Plasma Corp. v. Illinois Employers Insurance of Wausau

931 F.2d 839, 32 Fed. R. Serv. 1123, 1991 U.S. App. LEXIS 9997, 1991 WL 68749

Court of Appeals for the Eleventh Circuit | Filed: May 20, 1991 | Docket: 830672

Cited 4 times | Published

was not a denial of coverage under Fla. Stat. § 627.426(2) (1982), and that, accordingly, Wausau had the

PACIFIC EMPLOYERS INS. CO. v. Ott

545 So. 2d 462, 1989 WL 65892

District Court of Appeal of Florida | Filed: Jun 20, 1989 | Docket: 1702941

Cited 4 times | Published

due to its alleged failure to comply with section 627.426, Florida Statutes (1987), which requires that

US Aviation Underwriters, Inc. v. Sunray Airline, Inc.

543 So. 2d 1309, 14 Fla. L. Weekly 1343, 1989 Fla. App. LEXIS 3071, 1989 WL 56309

District Court of Appeal of Florida | Filed: Jun 1, 1989 | Docket: 1729788

Cited 4 times | Published

company's failure to comply with the provisions of section 627.426(2), Florida Statutes (1985), which prohibits

Auto-Owners Ins. Co. v. Brockman

524 So. 2d 490, 1988 WL 40950

District Court of Appeal of Florida | Filed: May 5, 1988 | Docket: 1341158

Cited 4 times | Published

coverage defense for failure to comply with section 627.426(2), Florida Statutes, which denies coverage

AIU Ins. Co. v. BLOCK MARINA INV.

512 So. 2d 1118, 12 Fla. L. Weekly 2311

District Court of Appeal of Florida | Filed: Sep 22, 1987 | Docket: 473747

Cited 4 times | Published

noncompliance with the notice requirements of section 627.426(2), Florida Statutes (1985),[1] prohibits an

Sheehan v. Lumbermens Mut. Cas. Co.

504 So. 2d 776

District Court of Appeal of Florida | Filed: Apr 22, 1987 | Docket: 2517963

Cited 4 times | Published

comply with section 627.426(2), Florida Statutes (1983). Lumbermens replied that section 627.426(2) did not

Horn v. Liberty Ins. Underwriters, Inc.

391 F. Supp. 3d 1157

District Court, S.D. Florida | Filed: May 30, 2019 | Docket: 64325412

Cited 3 times | Published

of the Claims Administration Statute ("CAS"), § 627.426, Fla. Stat. The Plaintiff's argument is unavailing

Petro v. Travelers Casualty & Surety Co. of America

54 F. Supp. 3d 1295, 2014 WL 4920787

District Court, N.D. Florida | Filed: Dec 19, 2014 | Docket: 64297910

Cited 3 times | Published

the Claims Administration Statute, Fla. Stat. § 627.426(2). The statute in relevant part precludes an

Bodywell Nutrition, LLC v. Fortress Systems, LLC

846 F. Supp. 2d 1317, 2012 WL 565993, 2012 U.S. Dist. LEXIS 20929

District Court, S.D. Florida | Filed: Feb 21, 2012 | Docket: 65979449

Cited 3 times | Published

provisions of § 627.426(2) or defended under a reservation of rights pursuant to § 627.426(2). Fla. Stat

Keenan Hopkins Schmidt & Stowell Contractors, Inc. v. Continental Casualty Co.

653 F. Supp. 2d 1255, 2009 U.S. Dist. LEXIS 78278

District Court, M.D. Florida | Filed: Sep 1, 2009 | Docket: 2289760

Cited 3 times | Published

the Claims Administration Statute, Fla. Stat. § 627.426. See Auto Owners Ins. Co. v. Salvia, 472 So.2d

Graham v. Lloyd's Underwriters at London

964 So. 2d 269, 2007 Fla. App. LEXIS 14597, 2007 WL 2713550

District Court of Appeal of Florida | Filed: Sep 19, 2007 | Docket: 1689882

Cited 3 times | Published

defense in a first party claim such as this one. Section 627.426(2)(a), Florida Statutes (2004), provides that

GRG Transport, Inc. v. LLOYD'S

896 So. 2d 922, 2005 WL 478385

District Court of Appeal of Florida | Filed: Mar 2, 2005 | Docket: 1683550

Cited 3 times | Published

required by the Claims Administration Statute, section 627.426(2), Florida Statutes (2003). Lloyd's motion

State Farm Mut. Auto. Ins. Co. v. Jones

789 So. 2d 504, 2001 Fla. App. LEXIS 9717, 2001 WL 788357

District Court of Appeal of Florida | Filed: Jul 13, 2001 | Docket: 1696137

Cited 3 times | Published

legislature intended, by the enactment of section 627.426(2), to give an insured coverage which is expressly

Steadfast Insurance v. Sheridan Children's Healthcare Services, Inc.

34 F. Supp. 2d 1364, 1998 WL 966654

District Court, S.D. Florida | Filed: Sep 30, 1998 | Docket: 2276550

Cited 3 times | Published

this case, its principles are instructive. See § 627.426, Fla. Stat. (1997). Under this Statute, an insurance

Illinois Ins. Exchange v. SCOTTSDALE INS.

679 So. 2d 355, 1996 WL 511731

District Court of Appeal of Florida | Filed: Sep 11, 1996 | Docket: 1215319

Cited 3 times | Published

under a reservation of rights pursuant to Section 627.426, Florida Statutes (1988). After Scottsdale

State Farm Mutual Automobile Insurance v. Brown

767 F. Supp. 1151, 1991 U.S. Dist. LEXIS 9940, 1991 WL 132409

District Court, S.D. Florida | Filed: Jun 12, 1991 | Docket: 1061701

Cited 3 times | Published

conditions; (2) State Farm's violation of Fla.Stat. § 627.426; and (3) collateral estoppel. The Court, however

State Farm Mutual Automobile Insurance v. Brown

767 F. Supp. 1151, 1991 U.S. Dist. LEXIS 9940, 1991 WL 132409

District Court, S.D. Florida | Filed: Jun 12, 1991 | Docket: 1061701

Cited 3 times | Published

conditions; (2) State Farm's violation of Fla.Stat. § 627.426; and (3) collateral estoppel. The Court, however

National Union Fire Ins. Co. v. Goldman

548 So. 2d 790, 1989 WL 102527

District Court of Appeal of Florida | Filed: Sep 6, 1989 | Docket: 1699028

Cited 3 times | Published

trial court's order further determined that section 627.426(2), Florida Statutes (Supp. 1982) precluded

St. Paul Fire & Marine Ins. Co. v. Rosen Millennium, Inc.

337 F. Supp. 3d 1176

District Court, M.D. Florida | Filed: Sep 28, 2018 | Docket: 64320919

Cited 2 times | Published

defense is given to the named insured." Fla. Stat. § 627.426(2). The Florida Supreme Court has held that noncompliance

Judy Rodrigo v. State Farm Florida Insurance Company

144 So. 3d 690, 2014 WL 4083324, 2014 Fla. App. LEXIS 12805

District Court of Appeal of Florida | Filed: Aug 20, 2014 | Docket: 1119873

Cited 2 times | Published

waiver of a “sworn proof of loss” requirement. § 627.426(l)(c), Fla. Stat. (2007) (emphasis added).

Essex Insurance Co. v. Integrated Drainage Solutions, Inc.

124 So. 3d 947, 2013 WL 5495541, 2013 Fla. App. LEXIS 15681

District Court of Appeal of Florida | Filed: Oct 4, 2013 | Docket: 60235583

Cited 2 times | Published

with Florida’s claims administration statute, section 627.426. Verizon and Mas-tec also asserted that the

National Trust Insurance v. Graham Bros. Construction Co.

916 F. Supp. 2d 1244, 2013 WL 68580, 2013 U.S. Dist. LEXIS 1363

District Court, M.D. Florida | Filed: Jan 4, 2013 | Docket: 65987808

Cited 2 times | Published

Administration Statute, Section 627.426(2), Florida Statutes. Section 627.426(2)(a), Florida Statutes

Lloyds Underwriters at London v. Keystone Equipment Finance Corp.

25 So. 3d 89, 2009 Fla. App. LEXIS 20016, 2009 WL 4927917

District Court of Appeal of Florida | Filed: Dec 23, 2009 | Docket: 1193946

Cited 2 times | Published

further defense and, in so doing, violated section 627.426(2)(a), which provides that an insurer cannot

Travelers Indemnity Co. v. Royal Oak Enterprises, Inc.

429 F. Supp. 2d 1265, 2004 U.S. Dist. LEXIS 31120, 2004 WL 3770590

District Court, M.D. Florida | Filed: Mar 10, 2004 | Docket: 2355314

Cited 2 times | Published

mutually agreeable counsel. Royal Oak asserts that § 627.426(2), Florida *1272 Statutes, creates a duty on

Pioneer Life Ins. Co. v. Heidenfeldt

773 So. 2d 75, 2000 Fla. App. LEXIS 303, 2000 WL 35809

District Court of Appeal of Florida | Filed: Jan 19, 2000 | Docket: 1291709

Cited 2 times | Published

The insurer's actions were in violation of section 627.426(2)(a), Florida Statutes (1985), which required

American Empire Surplus Lines Ins. Co. v. Gold Coast Elevator, Inc.

701 So. 2d 904, 22 Fla. L. Weekly Fed. D 2690

District Court of Appeal of Florida | Filed: Nov 26, 1997 | Docket: 2568515

Cited 2 times | Published

it in the personal injury case, it violated section 627.426(2), Florida Statutes (1993) of the insurance

National Fire Insurance v. Bartolazo

27 F.3d 518, 1994 WL 369548

Court of Appeals for the Eleventh Circuit | Filed: Aug 1, 1994 | Docket: 64017576

Cited 2 times | Published

reservation of rights letter required under Section 627.426(2), Florida Statutes, in August 1991, and in

Travelers Indemnity Co. of Connecticut v. Attorney's Title Insurance Fund, Inc.

194 F. Supp. 3d 1224, 2016 U.S. Dist. LEXIS 88077, 2016 WL 3629606

District Court, M.D. Florida | Filed: Jul 7, 2016 | Docket: 64309542

Cited 1 times | Published

Claims *1235Administration Statute, Fla. Stat. § 627.426. Section 10 avers Travelers8 failed to comply

Gemini II Ltd. v. Mesa Underwriters Specialty Insurance

592 F. App'x 803

Court of Appeals for the Eleventh Circuit | Filed: Nov 19, 2014 | Docket: 65959044

Cited 1 times | Published

letter within 80 days as provided by Fla. Stat. § 627.426(2)(a), Mesa waived the late notice defense because

Embroidme.com, Inc. v. Travelers Property Casualty Co. of America

992 F. Supp. 2d 1259, 2014 WL 235453, 2014 U.S. Dist. LEXIS 7715

District Court, S.D. Florida | Filed: Jan 22, 2014 | Docket: 65996836

Cited 1 times | Published

Florida Claims Administration Statute, Fla. Stat. § 627.426(2) (“FCAS”); and that this failure bars Defendant

Danny's Backhoe Service, LLC v. Auto Owners Insurance Co.

116 So. 3d 508, 2013 WL 2350166, 2013 Fla. App. LEXIS 8557

District Court of Appeal of Florida | Filed: May 30, 2013 | Docket: 60232372

Cited 1 times | Published

language excludes the leased equipment, and that section 627.426(2), Florida Statutes, did not require Auto

Falcon Trust Group, Inc. v. Travelers Casualty & Surety Co. of America

725 F. Supp. 2d 1363, 2010 U.S. Dist. LEXIS 83037, 2010 WL 2899272

District Court, S.D. Florida | Filed: Jul 19, 2010 | Docket: 2337631

Cited 1 times | Published

with certain enumerated requirements. Fla. Stat. § 627.426. The Florida Supreme Court has held, however,

Essex Insurance v. Zota

607 F. Supp. 2d 1340, 2009 U.S. Dist. LEXIS 29108, 2009 WL 959917

District Court, S.D. Florida | Filed: Apr 8, 2009 | Docket: 2281562

Cited 1 times | Published

noncompliance with the notice requirements of section 627.426(2), Florida Statutes (1985)." Block Marina

Sharp General Contractors, Inc. v. Mt. Hawley Insurance

604 F. Supp. 2d 1360, 2009 U.S. Dist. LEXIS 28149, 2009 WL 801607

District Court, S.D. Florida | Filed: Mar 27, 2009 | Docket: 2294070

Cited 1 times | Published

Claims Administration Statute (CAS), Fla. Stat. § 627.426, does not apply to surplus line insurers, like

Wimberg v. Chandler

986 F. Supp. 1447, 1997 U.S. Dist. LEXIS 21205, 1997 WL 769286

District Court, M.D. Florida | Filed: Nov 5, 1997 | Docket: 1021921

Cited 1 times | Published

Progressive has failed to comply with Florida Statute § 627.426(2) which regulates Florida's insurance claims

State Farm Mutual Automobile Insurance v. Sternberg

699 So. 2d 345, 1997 Fla. App. LEXIS 10836, 1997 WL 594120

District Court of Appeal of Florida | Filed: Sep 26, 1997 | Docket: 64775886

Cited 1 times | Published

judgment in Sternberg’s favor. We hold that section 627.426, Florida Statutes, does not apply to cases

Souran v. Travelers Insurance

982 F.2d 1497, 1993 WL 12675

Court of Appeals for the Eleventh Circuit | Filed: Jan 21, 1993 | Docket: 66280094

Cited 1 times | Published

forms or proofs completed or uncompleted. Id. § 627.426. Thus, if Travelers had a defense based upon its

Allstate Insurance v. M.H.

681 F. Supp. 811, 1988 U.S. Dist. LEXIS 1967, 1988 WL 22402

District Court, S.D. Florida | Filed: Mar 14, 1988 | Docket: 1373876

Cited 1 times | Published

Statute Florida's Claims Administration Statute, Section 627.426 of the Florida Statutes (1982), imposes mandatory

Continental Ins. Co. v. City of Miami Beach

521 So. 2d 232, 13 Fla. L. Weekly 509, 1988 Fla. App. LEXIS 793, 1988 WL 12522

District Court of Appeal of Florida | Filed: Feb 23, 1988 | Docket: 1348464

Cited 1 times | Published

against the city pursuant to the provisions of Section 627.426(2)(b)(3), Florida Statutes (1985). An underlying

Elizabeth Fojon v. Ascendant Commercial Insurance Company

District Court of Appeal of Florida | Filed: Aug 28, 2024 | Docket: 68448573

Published

comply with the Claims Administration Statute, section 627.426, Florida Statutes. Ascendant denied the allegations

Security First Insurance Company v. Linda Visca and Silvio Visca

District Court of Appeal of Florida | Filed: Jun 5, 2024 | Docket: 67790470

Published

Waivers by a liability insurer are governed by section 627.426(2), Florida Statutes (2020), which expressly

UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY v. MONIKA HORNE

District Court of Appeal of Florida | Filed: Jan 20, 2021 | Docket: 31064953

Published

‘sworn proof of loss’ requirement” (quoting § 627.426(1)(c), Fla. Stat. (2007))). With regard

MAGGY HURCHALLA v. HOMEOWNERS CHOICE PROPERTY & CASUALTY COMPANY, INC.

District Court of Appeal of Florida | Filed: Oct 16, 2019 | Docket: 16338048

Published

a reservation of rights letter required by section 627.426(2), Florida Statutes (2013), which fact was

Dept. of Children and Families v. Feliciano

259 So. 3d 957

District Court of Appeal of Florida | Filed: Nov 28, 2018 | Docket: 8338747

Published

concurring), when she wrote: While section 627.426 is clear and unambiguous, and therefore

Geico General Insurance Co. v. Mukamal

230 So. 3d 62

District Court of Appeal of Florida | Filed: Aug 23, 2017 | Docket: 6142259

Published

mandated by the clear and unambiguous language of section 627.426, Florida Statutes (2015), I write to expose

Maronda Homes, Inc. v. Progressive Express Insurance

118 F. Supp. 3d 1332, 2015 U.S. Dist. LEXIS 103893, 2015 WL 4716108

District Court, M.D. Florida | Filed: Aug 7, 2015 | Docket: 64303189

Published

agreeable counsel pursuant to Florida Statutes, section 627.426(2). . Maronda asserts that Progressive and

Atlantic Marine Florida, LLC v. Evanston Insurance Company

775 F.3d 1268, 2014 WL 7331580, 2014 U.S. App. LEXIS 24415

Court of Appeals for the Eleventh Circuit | Filed: Dec 24, 2014 | Docket: 2618723

Published

separate defenses. See Fla. Stat. § 627.426(2) (requiring insurers, *1279 after

Atlantic Marine Florida, LLC v. Evanston Insurance Company

Court of Appeals for the Eleventh Circuit | Filed: Dec 24, 2014 | Docket: 2900721

Published

incurred in their separate defenses. See Fla. Stat. § 627.426(2) (requiring insurers, after providing written

Dr. Scott J. Swerdlin v. Florida Municipal Insurance Trust

162 So. 3d 96, 2014 Fla. App. LEXIS 16798, 2014 WL 5149140

District Court of Appeal of Florida | Filed: Oct 15, 2014 | Docket: 1447684

Published

motion for defense cost determination under section 627.426(2)(b)S., Florida Statutes (2012) (“Reasonable

Geico General Insurance Co. v. Rodriguez

155 So. 3d 1163, 2014 Fla. App. LEXIS 14100

District Court of Appeal of Florida | Filed: Sep 10, 2014 | Docket: 1185242

Published

Florida’s Claims Administrations Statute — section 627.426, Florida Statutes (2011) (the CAS). The trial

Western Heritage Insurance v. Montana ex rel. Blevins

30 F. Supp. 3d 1366, 2014 WL 3057393, 2014 U.S. Dist. LEXIS 91757

District Court, M.D. Florida | Filed: Jul 7, 2014 | Docket: 64295952

Published

defense because it violated Florida Statutes § 627.426; however, the Court granted Western Heritage’s

Max Specialty Insurance v. Clear Title & Escrow Exchange, LLC

114 F. Supp. 3d 1191, 2013 WL 2682716, 2013 U.S. Dist. LEXIS 82553

District Court, M.D. Florida | Filed: Jun 12, 2013 | Docket: 64302852

Published

criminal acts exclusion is without merit. Section 627.426(2) of the Florida Claims Administrative Statute

New Hampshire Indemnity Co. v. Scott

910 F. Supp. 2d 1341, 2012 WL 6213074, 2012 U.S. Dist. LEXIS 176735

District Court, M.D. Florida | Filed: Dec 13, 2012 | Docket: 65987150

Published

father a “reservation-of-rights letter” under Section 627.426, Florida Statutes. In pertinent part, the letter

Great American Assurance Co. v. Elliott

846 F. Supp. 2d 1258, 2012 WL 716929, 2012 U.S. Dist. LEXIS 29635

District Court, M.D. Florida | Filed: Mar 6, 2012 | Docket: 65979445

Published

Florida claims administration statute, Fla. Stat. § 627.426(2). The Florida Supreme Court, however, has held

U.S. Specialty Insurance v. Burd

833 F. Supp. 2d 1348, 2011 WL 2433502, 2011 U.S. Dist. LEXIS 62877

District Court, M.D. Florida | Filed: Jun 14, 2011 | Docket: 65977647

Published

to obtain independent counsel. See Fla. Stat. § 627.426(2); see also 14 G. Couch, Cyclopedia of Insurance

St. Paul Fire & Marine Insurance v. Sea Quest International, Inc.

676 F. Supp. 2d 1306, 2009 U.S. Dist. LEXIS 117631

District Court, M.D. Florida | Filed: Dec 17, 2009 | Docket: 2372167

Published

St. Paul's failure to comply with Fla. Stat. § 627.426(2). It urges that Exclusion (A) (1) is inapplicable

Zurich American Insurance v. Frankel Enterprises, Inc.

509 F. Supp. 2d 1303, 2007 U.S. Dist. LEXIS 69529, 2007 WL 2719095

District Court, S.D. Florida | Filed: Aug 28, 2007 | Docket: 2325814

Published

whether coverage exists, they argue, relying on Section 627.426 of the Florida Statutes, that "to avail itself

Roger Kennedy Construction, Inc. v. Amerisure Insurance

506 F. Supp. 2d 1185, 2007 U.S. Dist. LEXIS 44023

District Court, M.D. Florida | Filed: Jun 18, 2007 | Docket: 2378331

Published

complies with the requirements of Florida Statute § 627.426. See Giffen Roofing Co. v. DHS Developers Inc

Schultz v. Amica Mutual Insurance

778 So. 2d 402, 2001 Fla. App. LEXIS 490, 2001 WL 55788

District Court of Appeal of Florida | Filed: Jan 24, 2001 | Docket: 64803766

Published

raising the statute of limitations defense by section 627.426(2)(a), Florida Statutes (2000), which provides:

Essex Home Mortgage Servicing Corp. v. Fritz

740 So. 2d 1224, 1999 Fla. App. LEXIS 11571, 1999 WL 641819

District Court of Appeal of Florida | Filed: Aug 25, 1999 | Docket: 64790841

Published

first time on appeal, lack of compliance with section 627.426(2), Florida Statutes). Finally, we note that

DeMeo v. Frenchy's Worldwide Helmets, Inc.

732 So. 2d 12, 1999 Fla. App. LEXIS 5130, 1999 WL 235180

District Court of Appeal of Florida | Filed: Apr 21, 1999 | Docket: 64788080

Published

when the insurer denied coverage pursuant to section 627.426(2). § 627.4136(4), Fla. Stat. See Markert v

Paradise Plaza Condominium Ass'n v. Reinsurance Corp. of New York

685 So. 2d 937, 1996 Fla. App. LEXIS 13215, 1996 WL 727159

District Court of Appeal of Florida | Filed: Dec 19, 1996 | Docket: 64770169

Published

a “nonwaiver clause,” which precludes it. See § 627.426(2),(b),2, Fla. Stat. (1995)(“A liability insurer

Scottsdale Insurance Co. v. Deer Run Property Owner's Ass'n

642 So. 2d 786, 1994 Fla. App. LEXIS 8769, 1994 WL 486609

District Court of Appeal of Florida | Filed: Sep 9, 1994 | Docket: 64750877

Published

requirements of the claims administration statute, section 627.426(2), Florida Statutes, from asserting that there

Patry v. Capps

618 So. 2d 261, 1993 Fla. App. LEXIS 3017, 1993 WL 75792

District Court of Appeal of Florida | Filed: Mar 19, 1993 | Docket: 64696229

Published

written notice of a coverage defense under section 627.426, Florida Statutes (1985), was legally sufficient

Union General Insurance Co. v. Lorenzo

598 So. 2d 161, 1992 Fla. App. LEXIS 4729, 1992 WL 83914

District Court of Appeal of Florida | Filed: Apr 28, 1992 | Docket: 64667102

Published

coverage, Union General had failed to comply with section 627.426, Florida Statutes (1991). The trial court granted

Blue Cross & Blue Shield of Florida, Inc. v. Ming

579 So. 2d 771, 1991 Fla. App. LEXIS 3957, 1991 WL 66666

District Court of Appeal of Florida | Filed: May 2, 1991 | Docket: 64658790

Published

2 However, it is interesting to note that section 627.426(2), Florida Statutes (1985) provides that a

Consolidated American Insurance Co. v. Henderson

559 So. 2d 662, 1990 Fla. App. LEXIS 2035, 1990 WL 33118

District Court of Appeal of Florida | Filed: Mar 27, 1990 | Docket: 64649616

Published

timely asserted its coverage defense under section 627.-426(2), Florida Statutes (1985). While Consolidated’s

Fans & Stoves of Jacksonville, Inc. v. Aetna Casualty & Surety Co.

549 So. 2d 1178, 14 Fla. L. Weekly 2409, 1989 Fla. App. LEXIS 5756, 1989 WL 120466

District Court of Appeal of Florida | Filed: Oct 11, 1989 | Docket: 64645410

Published

comply with the claims administration statute, Section 627.426(2), Florida Statutes (1987). In 1983, one Grimes

Consolidated American Insurance Co. v. Bucolo

543 So. 2d 752, 14 Fla. L. Weekly 260, 1989 Fla. LEXIS 469, 1989 WL 55862

Supreme Court of Florida | Filed: May 25, 1989 | Docket: 64642694

Published

not timely asserted a coverage defense under section 627.-426(2), Florida Statutes (1985). The district

Cigna Property & Casualty Co. v. Mason

539 So. 2d 29, 14 Fla. L. Weekly 595, 1989 Fla. App. LEXIS 1096, 1989 WL 18829

District Court of Appeal of Florida | Filed: Mar 7, 1989 | Docket: 64640759

Published

including, but not limited to, the issues of whether § 627.426, Fla. Stat. is applicable, whether Cigna was entitled

Consolidated American Insurance Co. v. Bucolo

526 So. 2d 147, 1988 Fla. App. LEXIS 2036, 1988 WL 47691

District Court of Appeal of Florida | Filed: May 17, 1988 | Docket: 64635204

Published

Inv. Inc., 512 So.2d 1118 (Fla.3d DCA 1987); § 627.426(2)(a), Fla.Stat. (1985).

United States Fidelity & Guaranty Co. v. American Fire & Indemnity Co.

511 So. 2d 624, 12 Fla. L. Weekly 1736, 1987 Fla. App. LEXIS 9301

District Court of Appeal of Florida | Filed: Jul 16, 1987 | Docket: 64628965

Published

exists to comply with section 627.426(2) of the Insurance Code.1 However, section 627.426(2) does not define

Continental Insurance Co. v. Parkins

502 So. 2d 524, 12 Fla. L. Weekly 556, 1987 Fla. App. LEXIS 6809

District Court of Appeal of Florida | Filed: Feb 17, 1987 | Docket: 64625058

Published

Continental specifically alleged compliance with section 627.426, Florida Statutes (1985). The court was obliged

This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney. Attorney Syfert regularly works with Chapter 627 in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.