Hicks Vs. American Integrity! Where You Denied For Long Term Seepage?

Hugh HICKS, Appellant, v. AMERICAN INTEGRITY INSURANCE COMPANY OF FLORIDA, Appellee.
Case No. 5D17–1282
    Decided: February 23, 2018
Why is the recent 2018 partial summary judgement in Hicks vs. American Integrity Insurance of Florida so important to Insured’s?
Why is the recent 2018 partial summary judgement in Hicks vs. American Integrity Insurance of Florida so important?
Many policies in Florida have language that states, “We do not insure for loss caused constant or repeated seepage or leakage of water over a period of 14 or more days.”
If you read the case, there is a partial summary judgement in Hicks favor provided that for losses occurring after the first thirteen days, the burden will be on AIIC (The Insurance Carrier) to prove that a particular loss was sustained after the thirteenth day and is therefore not covered under the language of the exclusion provision.”
You will find it reads, “We therefore reverse the summary judgment entered in favor of AIIC and remand this case to the trial court to enter partial summary judgment in Hicks’s favor on the sole issue of coverage within the first thirteen days of the leak, the extent of the losses to be determined at trial. As for losses occurring after the first thirteen days, the burden will be on AIIC to prove that a particular loss was sustained after the thirteenth day and is therefore not covered under the language of the exclusion provision.

 

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