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2019 WIND Conference Presentation - Building Code Compliance in Emergencies

Posted by Michael A. Cassel | Feb 03, 2019 | 0 Comments

As many of you know,  Michael Cassel, along with Paul Del Vecchio from PJDCCI,  presented at the  Windstorm Insurance Network  ("WIND") 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: A History

Slide 32:     Ordinance and Law Coverage

Slide 46:     Florida Building Code During Emergencies

Slide 72:     Application of Ordinance and Law Coverage to Claims

Slide 73:     Permits

Slide 80:     Valued Policy Law

Slide 97:     Florida's Matching Statute

Slide 111:   Roof Replacement

Slide 116:   Appraisal

Slide 121:   Case Studies

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.

About the Author

Michael A. Cassel

Michael A. Cassel, LL.M., is the managing partner and co-founder of Cassel & Cassel, P.A., where he represents policyholders throughout the state of Florida in first party property insurance claims.  Michael is licensed by the Florida Bar as well as in the Southern, Middle, and Northern Federal Districts of Florida, the U.S. Court of Appeals for the 11th Circuit, and has argued before the Judicial Panel for Multidistrict Litigation.  He has earned an AV Preeminent rating from Martindale Hubbell.  He has also been named a Florida Super Lawyer for the last two years by Florida Super Lawyers Magazine and a Rising Star for the prior six consecutive years, was named as one of South Florida Business Journal's 40 Under 40 for 2020, and one of the Cystic Fibrosis Foundation 40 Under 40 Outstanding Young Professionals of South Florida for 2022.  Michael regularly publishes blogs on newly released case law pertaining to first party property insurance claims and has become a regular on the lecture circuit presenting on topics such as building code compliance, ordinance and law coverage, bad faith litigation, technology in claims adjustment, and providing updates on case law and legislative changes.  He obtained his Masters of Insurance Law from the University of Connecticut in 2023.


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