On August 20, 2014 the Fourth District Court of Appeal issued two decisions which held that submitting a sworn proof of loss when required by an insurance policy is a condition precedent to coverage.  The entire opinions can be accessed here:

https://caselaw.findlaw.com/fl-district-court-of-appeal/1675920.html

https://caselaw.findlaw.com/fl-district-court-of-appeal/1664291.html

A typical property insurance policy contains several conditions that an insured must comply with.  When a policyholder submits a claim for property damages the insurance company may require that several conditions be complied with. The failure to comply with these conditions may provide the insurance company with a valid basis to deny an insurance claim.  Therefore, if you have an insurance claim for property damage you may need to consult an experienced Florida insurance claim lawyer.  A lawyer with experience handling insurance claims can ensure that you comply with the policy’s conditions.  This is important because the failure to comply with these conditions could ultimately result in the denial of an otherwise covered insurance claim. 

If you have an insurance claim and you have questions concerning the policy’s conditions, please take a moment to complete our Contact Form, or call us directly at 954-703-2111 or 321-283-5888 for a free, confidential consultation.