As many of you know, Michael Cassel presented at the Florida Association of Public Insurance Adjusters ("FAPIA") 2019 Conference in Orlando, Florida, regarding building code compliance along with a number of related areas of law and coverage.
Mr. Cassel effectively presented on the often misunderstood topic of Ordinance and Law ("O&L") coverage. He also addressed Valued Policy Law, matching, permits, and appraisal as they relate to the Florida Building Code and O&L as typically found within insurance policies in Florida. A copy of the PowerPoint slides shown during the WIND presentation can be found below.
Table of Contents
Slide 2: Florida Building Code During Emergencies
Slide 32: Ordinance and Law Coverage
Slide 46: Application of Ordinance and Law Coverage to Claims
Slide 47: Permits
Slide 55: Valued Policy Law
Slide 83: Florida's Matching Statute
Slide 102: Roof Replacement
Slide 107: Appraisal
Please note that the PowerPoint contains limited information regarding the pertinent holdings in each case as well as Mr. Cassel's own analyses and deductions regarding some areas of law upon which opinions have not been issued. Each case, statute, and code should be read in full in order to adequately determine their complete legal effects as they pertain to a particular set of facts.
Remember, every case is different and coverage varies from policy to policy. If you have any questions about how these issues may relate to your own claim, or you would like to discuss the topics outlined in the PowerPoint slides, please do not hesitate to contact us.