Homeowner's Choice Property & Casualty Ins. Co. v. Deborah Oakes
After a homeowner's ceiling collapsed in 2020, Homeowner's Choice denied the claim and appealed a $80,772 jury verdict in favor of the homeowner. The insurer challenged the trial court's partial summary judgment finding that only the exclusions within the policy's Additional Coverage – Collapse provision — not the general Section I exclusions — could bar the collapse claim. The Fourth DCA affirmed the verdict, but declined to reach the merits on the coverage law question, holding instead that the insurer failed to preserve its legal arguments below by not presenting specific legal analysis, distinguishing authority, or textual arguments — providing only a document dump without legal argument.
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