insurance defense law firm

Committed to Excellence and Success in Insurance Defense Law

Since its founding in 1976, Boehm Brown Harwood, P.A. has represented a wide range of institutional and corporate clients in the highly specialized field of insurance coverage issues. Our firm also continues to represent commercial and individual insureds in the defense of lawsuits brought against them. Our commitment to service and excellence is reflected by the professionalism of the partners, our record of success in the insurance and defense arenas, including AV ratings by Martindale-Hubbell Law Directory and a recognition by peers through invitations to speak and publish at a variety of insurance industry conferences.

insurance defense law firm

Partner Susan B. Harwood Elected President of WIND

Partner Susan B. Harwood recently became president of the Windstorm Insurance Network (WIND). WIND is an educational association formed in 1999 to offer education and industry insight to professionals from all facets of the property/windstorm insurance claims industry.

Boehm Brown Harwood, P.A. is largely credited with WIND’s founding. “The idea for WIND was born out of a casual conversation with our firm’s managing partner, Rick Boehm,” says partner Janet L. Brown.


Firm News and Notes

BBH Recognized as Top Firm In Florida in Insurance Law

Boehm Brown Harwood, P.A. has been ranked by U.S. News and World Report and Best Lawyers® as a “Best Law Firm” for 2017 in the area of Insurance Law.

Boehm Brown Harwood, P.A. received a Tier 1 ranking, and will be featured in two upcoming publications. The third edition of the “Best Law Firms” Legal Issue will be distributed in January, and the “Best Law Firms” General Counsel Publication will be distributed in December. The 2017 “Best Law Firms” rankings can be seen in their entirety at

In addition, partners Janet L. Brown and Susan B. Harwood have been recognized in the 23rd edition of The Best Lawyers in America for their high caliber work in the practice areas of insurance law. They have also been been commended by the publication for consistently holding this honor since 2007.


Attorney Adekemi Akinwole Joins Boehm Brown Harwood, P.A.

Attorney Adekemi Akinwole recently joined the firm as an associate. She is a Florida native and was born and raised in Miramar, Florida. She graduated from the University of Miami in 2012 with a triple major in legal studies, business management, and accounting. While in law school, she was a well-known student leader, serving in such capacities as president of the Student Bar Association and the Women Lawyers Association. In addition, she was a member of the Barry Law Review.

She graduated cum laude from Barry University School of Law in May 2016. Prior to graduating from law school, Attorney Akinwole worked at Boehm Brown Harwood, P.A. (“BBH”) as a law clerk before leaving in her last semester to intern for Justice Charles T. Canady of the Florida Supreme Court. After passing the Florida Bar, she rejoined BBH as an associate in November 2016.

Recent News in Insurance Case Law

State Farm Florida Insurance Company v. Fernandez, – So. 3d – (Fla. 3d DCA February 15, 2017)

FACTS: On October 28, 2005, insureds Jose and Sandra Fernandez filed a claim with their insurer, State Farm, for damage to their house that occurred on October 24, 2005, due to Hurricane Wilma. In November of 2005, State Farm investigated the claim and informed the insureds that some of the claimed damages were covered under their policy but were less than their policy deductible. Consequently, no payment was issued to the insureds, and they did not contact State Farm to advise of any additional damages.


FACTS: The insured, Dana Figueroa, filed a claim on October 30, 2005 for damage to her roof after Hurricane Wilma. Sent by State Farm in December of 2005, an adjuster believed the damage to Ms. Figueroa’s roof did not exceed her policy deductible; therefore, no payment could be made. After being advised by State Farm to seek her own estimate, Ms. Figueroa contacted roofers, but none accepted the job. State Farm did not require that the insured file a sworn proof of loss at that time.


Homeowners Choice Property & Casualty v. Maspons, — So. 3d —, 2017 WL 192020 (Fla. 3rd DCA January 18, 2017)

FACTS: A sanitary drain line under the insureds’ kitchen floor needed repairs. The home was built in 1957 and had a poured concrete slab over the plumbing lines which were made of cast iron pipe.

In December 2010, the insureds noticed that the kitchen sink was draining slowly. In February 2011,

The insurer retained its own expert who found a large hole in the “bottom sweep fitting” of the sanitary drain pipe that served the kitchen.