property insurance law
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.

Partner Susan B. Harwood Elected President of WIND

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

BBH Recognized at Top Law Firm in Insurance 

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. 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. MORE

Insurance Case Law Updates

Noa v. Fla. Ins. Guaranty Assoc., — So. 3d. —, 2017 WL 1076922 (Fla. 3d DCA March 22, 2017).

FACTS: This case “involves the interpretation of the appraisal and ‘Ordinance and Law’ provisions” of the subject residential policy.

In October of 2005, Hurricane Wilma damaged Mr. Noa’s residence, and he submitted a claim to his insurance company, First Home Insurance Company. In December of 2005, First Home advised Mr. Noa that the damages did not exceed the policy deductible of $4,392.

In August of 2009, more than three years later, Mr. Noa submitted a second claim relating to the same residence, policy, and windstorm claiming $71,682.97 in damages. The insurer rejected the claim and invoked the appraisal clause in the policy.


State Farm Fla. Ins. Co. v. Dina Figueroa, — So. 3d. —, 2017 WL 514361 (Fla. 4th DCA Feb. 8, 2017)

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.In January of 2006, Ms. Figueroa began dealing with a serious medical condition which distracted her from following up on her claim. In late 2008, however, she obtained a contractor’s estimate for a new roof in the amount of $43,648 after finding more than 25% of her roof tiles had been loosened by wind damage. In early 2009, Ms. Figueroa sought to reopen her claim.


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, they hired Water Leak Detectors, and it performed underground videography. Water Leak Detectors concluded that there was a break or failure in the sanitary drain line under the kitchen floor that needed to be repaired. A public adjuster was retained in March 2011 who reported the claim to Homeowners Choice and alleged that the pipe was broken.