Preview
Filing # 163467130 E-Filed 12/21/2022 11:34:41 AM
IN THE CIRCUIT COURT OF THE FOURTH JUDICIAL CIRCUIT,
IN AND FOR DUVAL COUNTY, FLORIDA
ANN PEARSON & SAM PEARSON,
Plaintiffs,
Vv. CASE NO.: 16-2021-CC-005504-XXXX-MA
STATE FARM FLORIDA INSURANCE
COMPANY,
Defendant.
/
AMENDED COMPLAINT AND DEMAND FOR JURY TRIAL
Plaintiffs sues Defendant and allege:
This is an action for damages that exceeds Thirty Thousand Dollars ($30,000.00) exclusive
of interest, costs, and attorney's fees.
At all times material hereto, in consideration of a premium paid by Plaintiffs, there was in
full force and effect a certain property insurance policy issued by Defendant with a policy
number of 80-CD-A178-8 (Policy). A copy of the Policy is attached as ExhibitA.
Accordingly, under the terms of the Policy, Defendant agreed to provide insurance
coverage to Plaintiffs’ property against certain losses for both the actual cost value and
replacement cost value.
Plaintiffs’ property is located at 1655 Hammock Grove Ln, Jacksonville, Florida 32225.
On or about April 17, 2022, while the Policy was in full force and effect, the Property
suffered a loss caused by a wind/hailstorm (Loss).
The Property’s roof, exterior, and/or interior, suffered damage caused by wind, wind-borne
debris, wind-driven rain, hail, and/or water.
Promptly thereafter Plaintiffs reported the Loss to Defendant.
Page 1 of 3
ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK, 12/21/2022 08:12:37 PM
Accordingly, Defendant assigned claim number 59-33Z2-32Q to the Loss and investigated
the Loss.
Subsequently, Defendant failed to property indemnity Plaintiffs for the Loss.
10 By failing to property indemnity Plaintiffs for the Loss, Defendant has materially breached
the Policy.
1 Plaintiffs suffered and continues to suffer damages resulting from Defendant’s material
breach of the Policy.
12 All conditions precedent to the filing of this action have been satisfied or waived.
13 Plaintiff was obligated to retain the undersigned attorneys for the prosecution of this action
and is entitled to reasonable attorneys’ fees pursuant to Fla. Stat. § 627.428.
WHEREFORE, Plaintiffs respectfully request that this Honorable Court enter judgment
against Defendant for damages, plus interest, court costs, and reasonable attorneys’ fees pursuant
to Fla. Stat. § 627.428.
DEMAND FOR JURY TRIAL
Plaintiffs demands trial by jury of all issues triable as a matter of right.
[CERTIFICATE OF SERVICE ON THE FOLLOWING PAGE]
Page 2 of 3
CERTIFICATE OF SERVICE
I CERTIFY that a copy the foregoing document has been furnished to: Samantha C. Valley and
Kara K. Cosse at Kubicki Draper, SV@kubickidraper.com;
Shereese.Plummer@kubickidraper.com; KD_PROPJAX@kubickidraper.com;
KCC@kubickidraper.com, by email on December 21, 2022.
Dated: December 21, 2022.
Respectfully submitted,
/s/ Julie M. Geary
Julie M. Geary, Esq.
Florida Bar No: 1015299
Weisser Elazar & Kantor, PLLC
Attorney for Plaintiffs
708 E. Colonial Dr., Suite 103
Orlando, FL 32803
T: (407) 698-5620
F: (954) 572-8695
Email: JG@WEKLaw.com
AG@WEKLaw.com
Service@WEKLaw.com
Page 3 of 3
EXHIBIT A
State Farm Florida Insurance Com
A Stock Company With Home Offices in Winter Haven, Florida
PO Box 88049
Atlanta GA 90356-9901 &StateFarm
Ata H-19-614C-FA77 F HW
PEARSON, ANN & SAMUEL LAMAR RENEWAL DECLARATIONS
1655 HAMMOCK GROVE LI
JACKSONVILLE FL 32225-5575
AMOUNT DUE: None
Payment is due by BILLED THROUGH SFPP
Policy Number: 80-CD-A178-8
Policy Period: 12 Months
Effective Dates: APR 04 2022 to APR 04 2023
The policy period begins and ends at 12:01 am standard
time at the residence premises.
Homeowners Policy Your State Farm Agent
CHRISTOPHER PATRICK
Location of Residence Premises 1301 MONUMENT RO STE 16
1655 HAMMOCK GROVE LN JACKSONVILLE FL 32225-6462
JACKSONVILLE FL 32225-5575
Phone: (904) 323-0972
Construction: Frame Roof Material: Composition Shingle
Year Built: 2004 Roof Installation Year: 2004
Automatic Renewal
If the POLICY PERIOD is shown as 12 MONTHS, this policy will be renewed automatically subject to the premiums, rules,
and forms in effect for each succeeding policy period. If this policy is terminated, we will give you and the Mortgagee/Lien-
holder written notice in compliance with the policy provisions or as required by law.
IMPORTANT MESSAGES:
For the full name of each assessment entity and the dollar amount, please see Additional messages.
NOTICE: Information concerning changes in your policy language is included. Please call your agent with any questions.
Coverage Change Premium Increase $75.00 Rate Change Premium Increase $74.00
Please help us update the data used to determine your premium. Contact your agent with the year each of
your home’s utilities (heating/cooling, plumbing, or electrical) and roof were last updated.
PREMIUM
Annual Premium $1,769.00
Hurricane Premium 457.00 (Included)
Other Covered Losses 1,312.00 (Included)
FL EMPA ASSESSMENT 2.00
FIGA ASSESSMENT 12.38
Your premium has already been adjusted by the following:
Bldg Code Rating Home/Auto Discount
Claim Record Discount Wind Mitigation Discount
Loyal Customer
Total Premium $1,783.38
Prepared FEB 03 2022 Page tof 4
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&Statefarm
NAMED INSURED MORTGAGEE AND ADDITIONAL INTERESTS
PEARSON, ANN & SAMUEL LAMAR
PHA
Na EReBBi con aaa danger
eer arr
SECTION | - PROPERTY COVERAGES AND LIMITS
Coverage Limit of Liability
A Dwelling $ 428,900
Other Structures $ 42,890
B Personal Properly $ 321,675
C Loss of Use $ 128,670
Additional Coverages
Arson Reward $1,000
Credit Card, Bank Fund Transfer Card, Forgery, and Counterfeit Money $1,000
Debris Removal Additional 5% available/$1,000 tree debris
Fire Department Service Charge $500 per occurrence
Fuel Oil Release $10,000
Locks and Remote Devices $1,000
Trees, Shrubs, and Landscaping 5% of Coverage A amount/$750 per item
SECTION It - LIABILITY COVERAGES AND LIMITS
Coverage Limit of Liability
L Personal Liability (Each Occurrence) $ 100,000
Damage to the Property of Others $ 1,000
M Medical Payments to Others (Each Person) $ 1,000
INFLATION
Inflation Coverage Index: 318.7
DEDUCTIBLES
Section | Deductible Deductible Amount
Other Losses 1% $ 4,289
Hurricane 2.00% $ 8,578
LOSS SETTLEMENT PROVISIONS
A1 Replacement Cost - Similar Construction
B1 Limited Replacement Cost - Coverage B
um anna
80-CD-A178-8 &Statefarm
FORMS, OPTIONS, AND ENDORSEMENTS
HW-2159 Homeowners Policy
Option ID Increase Dwlg up to $85,780
Option OL Ordinance/Law 25%/ $107,225
Option JF Jewelry and Furs $1,500 Each
Article/$2,500 Aggregate
HO-2567 FL Cat Grnd Cover Collapse Cov
HO-2571 Hurricane Deductible
HO-2228 Amendatory Endorsement
HO-2444.2 *Back-Up Of Sewer Or Drain -
10% of Coverage A/$ 42,890
*New Form Attached
ADDITIONAL MESSAGES
Florida Assessment - Full Entity Name Amount
Florida Emergency Management Preparedness, and Assistance Trust Fund Assessment $ 2.00
Total Florida Assessments $ 2.00
Your building code effectiveness grading schedule adjustment can range from a surcharge of 1% to a credit of 8%.
Your Building Code Effectiveness Grading Schedule Adjustment: $106.00 CR
Hurricane Deductible Notice
Hurricane Deductibles may be per calendar year. There is also a possibility that the deductible applied at the time
of hurricane loss may be different than the amount shown. Refer to the applicable hurricane deductible and/or
hurricane coverage endorsement attached to this policy. Please contact your State Farm agent if you have any
questions.
State Farm® works hard to offer you the best combination of price, service, and protection, The amount you pay for
homeowners insurance is determined by many factors such as the coverages you have, the type of construction, the
likelihood of future claims, and information from consumers reports.
Other limits and exclusions may apply - refer to your policy
Your policy consists of these Declarations,the Homeowners Policy shown above, and any other forms and endorsements
that apply, including those shown above as well as those issued subsequentto the issuance of this policy.
This policy is issued by the State Farm Florida Insurance Company.
Participating Policy
You are entitled to participate in a distribution of the earnings of the company as determined by our Board of Directors in
accordance with the Company’s Articles of Incorporation, as amended,
In Witness Whereof, the State Farm Florida Insurance Company has caused this policy to be signed by its President and
Secretaryat Bloomington, Illinois.
Yast Seid
OL Mewar
Secretai President
Prepared FEB 03 2022 Page 3of 4
ue anna
& StateFarm
Your coverage amount...
Itis up to you to choose the coverages and limits that meet your needs, We recommend that you purchase a coverage
limit at least equal to the estimated replacement cost of your home. Replacement cost estimates are available from
building contractors and replacement cost appraisers, or, your agent can provide an Xactware estimate using
information you provide about your home. We can accept the type of estimate you choose as long as it provides a
reasonable level of detail about your home. State Farm® does not guarantee that any estimate will be the actual future
cost to rebuild your home. Higher limits are available at higher premiums, Lower limits are also available, which if
selected may make certain coverages unavailable to you. We encourage you to periodically review your coverages
and limits with your agent and to notify us of any changes or additions to your home,
THIS POLICY CONTAINS. & SFR ARATE DEDUCTIBLE
FOR HURRICANE LOSSES MY RESULT IN HIGH
OUT-OF-POCKET EXPENSES 4S YO
LAW AND ORDINANCE: LAW AND ORDINANCE AT
COVERAGE IS AN IMPORTANT COVERAGE
MAY WISH TO PURCHASE. PLEASE DISCUSS |With YOUR
INSURANCE AGENT.
FLOOD INSURANCE: YOU MAY ALSO NEED T'
CONSIDER THE PURCHASE OF FLOOD INSURANC
YOUR HOMEOWNER'S INSURANCE POLIC
INCLUDE COVERAGE AGE RESULTING FROM
FLOOp EBS IF HURRICANE WINDS RAIN CAUSED
SEPARA
INSURANCE COVERAGE, YOU MAY HAVE UNCOVERED
LOSSES CAUSED BY FLOOD. PLEASE DISCUS
SE SEPA ATE FLOOD INSURANCE
SOVERAGE’ WIth Your INSURANCE AGE
YOUR POLICY PROVIDES COVERAGE FOR A
CATASTROPHIC GROUND COVER COLLASPE THAT
RESULTS IN THE PROPERTY BEING CONDEMNED AND
ONINHABITABLE OTHERWI E, YOUR POLIC DOES
Nor OE COVERA' R LE LOSSE
HASE ADDITIONAL COVERAGE FOR
SINKHOLE LOSSES FOR AN ADDITIONAL PREMIUM.
19 ann
80-CD-A178-8 002309
HO-2444.2D
Page 1 of 2
NOTICE OF CHANGE IN POLICY TERMS
Effective with this policy term, HO-2444.2 BACK-UP OF SEWER OR D RAIN ENDORSEMENT (Home-
owners) replaces HO-2444 BACK-UP OF SEWER OR DRAIN ENDORSEMENT (Homeowners).
This notice summarizes the changes being made to your policy. Please read the new endorsement care-
fully and note the following changes:
. Language has been added to describe how COVERAGE C - LOS: S OF USE, Option OL — Building
Ordinance or Law, and other SECTION | — ADDITIONAL COVERAGES apply to this endorsement.
Endorsement HO-2444.2 follows this notice. Please read it t! horoughly and place it with your policy. If you
have any questions about the information in this notice, ple ase contact your State Farm® agent.
DISCLAIMER: This notice only provides a general summary of changes to your State Farm policy. This notice is not a statement of contract This notice does not
change, madi, or invafdete the provisions, terms, or conditions as set ferth In your State Farm pofey booklet, the most recently Issued declarations, and any
appicable endorsements,
BACK-UP OF SEWER OR DRAIN ENDORSEMENT (Homeowners)
This endorsement modifies insurance provided under the following: HOMEOWNERS POLICY
The following is added to SECTION I - ADDITIONAL COV- (b) this endorsement is attached to replace an-
ERAGES: other Back-Up of Sewer or Drain Endorse-
Back-up of Sewer or Drain. We will pay for accidental ment. However, if this endorsements
direct physical loss to the dwelling and covered personal coverage limits are higher than those of the
roperty located within the dwelling, caused by back-up endorsement it replaces, then the limitation
of water or sewage, subject to the following: described in (2) above applies only to the in-
a. The back-up must be directly and immediately crease in coverage limits.
caused solely by water or sewage: ©. If you request an increase to the coverage limit for
(1) from outside the residence premises plumbing this endorsement, the increased coverage limit does
system that enters through a sewer or drain lo- not apply to losses that occur or are in progress
cated inside the interior of the dwelling; or within the first 5 days of your request.
(2) that enters into and overflows from within a The total limit of insurance provided by this endorse-
‘sump pump, sump pump well, or any other sys- ‘ment will not exceed the amount determined by ap-
tem located inside the interior of the dwelling plying the Back-Up Of Sewer Or Drain percentage.
designed to remove subsurface water drained (%) shown in the Declarations to the COVERAGE
from the foundation area. A- DWELLING limit shown in the Declarations, as
Coverage does not apply to: adjusted by the inflation coverage provisions of this
policy. This is an additional amount of insurance.
(1) losses resulting from your failure to:
The deductible for each loss under this coverage is
(a) keep a sump pump or its related equipment the amount shown in the Declarations under Sec-
in proper working condition; or tion | Deductible for “Other Losses” or “All Losses”,
(b) perform the routine maintenance or repair whichever applies.
necessary to keep a sewer or drain free
from obstructions; or When applicable, the following coverages applyto a
loss covered by this endorsement:
(2) losses that occur or are in progress within the
first 5 days of the inception of this endorsement. (1) COVERAGE C-LOSS OF USE;
This limitation does not apply when: (2) SECTION |- ADDITIONAL COVERAGES; and
(a) this endorsement is attached to a newly is- (3) Option OL ~ Building Ordinance or Law, only
‘sued policy; or if this option is shown in the Declarations.
©, Copyright, State Farm Mutual Automobile Insurance Company, 2020
HO-2444.2D
Page 2 of 2
Any payments made for these coverages are in- (7) water or sewage from outside the residence
cluded in, and not in addition to, the limit of insurance premises plumbing system that enters through
described in item d. above. sewers or drains, or water or sewage that enters
For purposes of this endorsement only: into and overflows from within a sump pump,
‘sump pump well, or any other system designed
a. SECTION | - LOSSES INSURED, item 12.b.(2) is deleted to remove subsurface water that is drained from
from the policy. the foundation area;
b. SECTION | - LOSSES NOT INSURED, Water is re- except as specifically provided in SECTION | - AD-
placed by:
DITIONAL COVERAGES, Back-Up of Sewer or
Water, meaning: Drain
(1) flood; (8) water or sewage below the surface of the
(2) surface water. This does not include water ground, including water or sewage that exerts
solely caused by the release of water from a pressure on, or seeps or leaks through a build-
swimming pool, spigot, sprinkler system, hose, ing structure, sidewalk, driveway, swimming
or hydrant; pool, or other structure; or
@ waves (including tidal wave, tsunami, and @) material carried or otherwise moved by any of
seiche);
the water or sewage, as described in items c.(1)
through c.(8) above,
(4) tides or tidal water; However, we will pay for any accidental direct physical
©) overflow of any body of water (including any re-
loss by fire, explosion, or theft resulting from water, pro-
lease, escape, or rising of any body of water, or
any water held, contained, controlled, or di- vided the resulting loss is itselfa loss insured.
verted by a dam, levee, dike, or any type of wa- ©, SECTION | - CONDITIONS, Other Insurance is re-
ter containment, diversion, or flood control placed by:
device); Other Insurance. This coverage is excess over
©) spray of surge from any of the items c.(1) other valid and collectible insurance.
through ¢.(5) described above, all whether
driven by wind or not; All other policy provisions apply.
HO-2444.2
©, Copyright, State Farm Mutual Automobile Insurance Company, 2020
80-CD-A178-8 002310
553-2470 FL3-
NOTICE OF AVAILABILITY
Hurricane Deductible
A hurricane deductible is a special deductible that applies only to a covered loss caused by hurricane.
We offer hurricane deductibles of 2%, 5%, 10% or 15% on qualifying Homeowners, Renters or Condominium Unitowners policies
that include hurricane coverage, Percentage hurricane deductibies are determined by multiplyingthe deduetible percentage by
your Coverage A - Dwelling limit if you have a Homeowners Policy, or by your Coverage B — Personal Property limit if you have a
Renters or Condominium Unitowners Policy.
The following chart illustrates how a percentage hurricane deductible is applied to a single loss in a calendar year. Let’s assume
your home has a coverage limit of $100,000 (Coverage A for Homeowners, or Coverage B for Renters and Condominium
Unitowners), and you have a covered hurricane loss of $20,000,
HURRICANE DEDUCTIBLE: 2% 5% 10%
Amount of covered hurricane loss: $20,000 | $20,000} $20,000
Deductible amount $2,000} $5,000} $10,000
(Your responsibility - Hurricane
deductible percentage multiplied
by $100,000)
Amount State Farm® pays: $18,000 | $15,000 | $10,000
If you request a change in your hurricane deductible, the request for change must be made prior to the expiration date of your
current policy term. All changes to hurricane deductibles are made effective only at the policy renewal date. Mid-term requests for
a hurricane deductible change will be made at the next policy renewal date.
Based on Florida statute 627.701, if you have a hurricane loss or have. already had a hurricane loss during the calendar year,
prior to the renewal date, and you select a lower hurricane deductible, the lower hurricane deductible will not apply until January 1
of the following year. If you have not had a covered hurricane loss during the calendar year, the lower deductible will be effective
on your renewal date.
Keep in mind that by accepting a larger hurricane deductible your premium may be lower; however, you will be responsible for a
greater portion of each covered loss, Some lenders may not allow a percentage. hurricane deductible higher than 2%. Check with
your lenders to see if they have any restrictions.
‘Other Losses’ Deductible
“Other losses’ deductible is a deductible that applies:
* to all covered losses from perils other than hurricane, and,
* to all covered losses from hurricane if the hurricane deductible is exhausted, or,
* ifthe remaining hurricane deductible is less than the amount of the ‘other losses’ deductible.
We offer an ‘other losses’ deductible equal to $500. Higher ‘other losses’ deductibles are also available. Keep in mind that by
accepting a larger deductible your premium may be lower; however, you will be responsible for a greater portion of each covered
loss. We do not offer an ‘other losses’ deductible in an amount greater than the hurricane deductible,
Your policy Declarations Page reflects your current ‘other losses’ deductible and hurricane deductible. These deductibles will apply
unless you choose different deductibles.
Please contact your State Farm agent if you would like more information, or would like to change your hurricane of ‘other losses’
deductibles.
553-2470 FL
(CONTINUED)
553-3299 FL.
(Important information regarding your policy premium
Your policy premium may include one or more of the following assessments:
ens Proj Insurance ition
‘Under state law, Citizens Property Insurance Corporation (Citizens) may assess all property insurance companies to cover any
deficit resulting from losses, including hurricane losses. Insurance companies are permitted to recoup this assessment from
their policyholders. ‘These assessments may be imposed for more than one deficit year, and may be in the form ofa “regular”
assessment or an “emergency” assessment. If your premium includes a Citizens assessment, your renewal notice will indicate the
applicable assessment (for example, 2005 CITIZENS-REG, 2005 CITIZENS-EM, etc.) and the assessment amount.
T ida Insurance Asso iol
‘The Florida Insurance Guaranty Association (FIGA) was created by the Florida legislature to administer the claims of insolvent
property and casualty insurance companies. Under state law, the FIGA may secure funds to pay covered claims and expensesby
assessing property and casualty insurers. Insurance companies are permitted to recoup this assessment from their policyholders.
‘These assessments may be imposed for more than one deficit year, and may be in the form of a “regular” assessment or an
“emergency” assessment. If your premium includes any FIGA assessments, your renewal notice will indicate the applicable
assessment (for example, 2009 FL GUARANTY-REG, 2007 FL GUARANTY-EM, etc.) and the assessment amount.
Florida Hurricane Catastrophe Fun
‘The Florida Hurricane Catastrophe Fund (FHCE) was created in 1993 during a special legislative session after Hurricane Andrew.
The fund protects the state’ interest in maintaining insurance capacityin Florida by providing reimbursements to insurers for a
portion of their catastrophic hurricane losses. The assessments shall continue until the Office of Insurance Regulation is directed
by the Board to issue an Order superseding or terminating the Order levying the assessment. If your premium includes this
assessment, your renewal notice will indicate the applicable assessment (FHCF ASSESSMENT) and the assessment amount.
ency Mai Preparedi istance
Florida statute established the Emergency Management, Preparedness and Assistance (EMPA)Trust Fund, which is funded by an
annual surcharge of $2.00 on residences of every home-owner, mobile homeowner, tenant homeowner, and condominium unit
owner, and a $4.00 surcharge on commercial fire, commercial multiple peril, and business owner property insurance policies.
Money in the fund may not be used to supplant existing funding. The rules for the allocation of funds are: 60% to implement
and administer state and local emergency management programs (training, specified percentages of which go to counties
and local agencies), 20% for state reliefassistance for non-federally declared disasters, and 20% for grants and loans to state or
regional agencies, local governments, and private organizations to implement projects that will further state and local emergency
management objectives. If your premium includes this assessment, your renewal notice will indicate the applicable assessment
(FL EMPA ASSESSMENT) and the assessment amount,
Hori
of the Florida State Fire College to
The funds received from the Insurance Regulatory ‘Trust Fund shall be used by the staff
provide all necessary services, training, equipment, and supplies to carry out the college's responsibilities, including, but not
limited to, the State Fire Marshal Scholarship Grant Program and the procurement of training films, videotapes, audiovisual
equipment, and other useful information on fire, firefighting, and fire prevention, including public fire service information
packages. If your premium includes this assessment, your renewal notice will indicate the applicable assessment (FL TRUST
FUND) and the assessment amount.
Ifyou have any questions regarding the information in this notice, please contact your State Farm* agent,
353-3299 FL (C)
(CONTINUED)
80-CD-A178-8 002311
553-4157
NOTICE TO POLICYHOLDER
For a comprehensive description of coverages and forms, please refer to
your policy.
Policy changes that you requested before the “Date Prepared" on
your Renewal Declarations are effective on the renewal date
this policy unless indicated otherwise by a separate endorsem lent, of
binder or Amended Declarations Page. Any coverage forms or
endorsements included with your Renewal Declarations are eff fective
on the renewal date of this policy,
Policy changes that you requested after the “Date Prepared” on
your Renewal Declarations will be sent to you as an Amended
Declarations Page or as an endorsement to your policy. You will
be billed for any resulting premium increase later.
If you have acquired any valuable property items, made any im| provemen
ts to your home, or have questions about your insurance
coverage, please contact your State Farm® agent.
853-4157 (C)
553-4156
PREMIUM ADJUSTMENT
Insurance premiums have been adjusted and continue to reflect the expected
premiums increase while other policy 'yholders may see their premiums decreasecost of claims. Some policyholders will see their
or stay the same. The amount your premium
changed, if at all, depends on sever: al factors including the expected claim experience
in your area, the coverage you have, and
any applicable discounts or charges. .
The enclosed Renewal Declarations reflects your new premium.
State Farm® works hard to offer you the best combinatio: n of cost,
protection, and service. We will continue doing our best to
make the most effective use of your premium dollars ane id give you
superior service when you need it,
If you have any questions about your premium, or policy coverages, please contact
your State Farm agent.
553-4156
553-3144
IMPORTANT NOTICE. . . Information Regarding Your Premium
Consumer reports mat 'y be used to determine the price you are charged. We may also obtain and use a credit-based insuranc
score developed from information contained it in these reports, We may use a third party in connection with the developmente
of your insurance score.
‘You have the right to request, no more than once in a 12 mont th period that your policy be re-rated. Re-rating could result in a
Jower rate, no change in rate or a higher rate.
553-3144 (C) (10/09)
(CONTINUED)
553-3369 FL.
(NoTICE OF AVAILABILITY
50% Building Ordinance or Law Coverage
Your State Farm’ Florida Homeowners Policy provides Building Ordinanc e or Law coverage equi al to 259 of the Coverage A ~
Dwelling limit of insuranc e. The ire may be changes in local building co ydes that regulate the construction, repair or demolition.
used
of your home. In the event ofa loss, you may not be able to rebuild ot re;pair your home with the same materials thatyou were
comply
an additiona l amount of coverage to help
when it was constructed. Building Ordinance or Law coverage provides
with the changes in local building codes.
Building Ordinance or Law coverage 0£50% is also available for an additional premium. If you do not currently carry Building
Ordinance or Law coverage of 50% and are interested in purchasing this coverage, please contact your State Farm agent.
553-3369 FL (C)
553-4368 FL
{ NEW COVERAGE OPTION
The following new coverage option is available by endorsement for a reduced premium:
. Special Li jit for Water Damage Endorsement -allows you to select co erage limits of $10,000, $20,000 or $30,000
for water losses caused by abrupt and accidental discharge, in exchange for a premium reduction. When one of these limits
of covered water losses or the
is selected, that limit is the most we will pay in any one policy peri iod regardless of the number
number of claims made during the policy period.
information, please contact your State Farm® agent.
If you would like to select this option for your policy or would ike more
is not a sta! itement of contract. This message does not
This notice is a general description of coverage or coverage changes and
s of your policy, ‘or any other applicable endorsements.
change, modify, or invalidate any of the provisions, terms, or condition
553-4368 FL
553.2798.1
IMPORTANT NOTICE ABOUT YOUR POLICY
you're insured
With our Claim Record Rating Plan, your savings will typically increase the fewer claims you have and the onlongeryour state, claims
based on the number of f claims under the rating plan. Depending
with State Farm®, We adjust premiums ied claims where permitted. In
under the plan generally include those resulting in a paid loss and may include weather-relat influence your premium.
addition, any claims with your prior insurer resul ting in property damage or injury may also
on the number of y ears that you have been with us.
Our Loyal Customer Discount provides a premium discount based
state, the claims we consider for the plan, or
For more information about whether the Claim Record Rating Plan applies in your Farm agent.
whether the Loyal Customer Discount is in effect in your state, please contact your State
553-2798.1
Preview
Filing # 163467130 E-Filed 12/21/2022 11:34:41 AM IN THE CIRCUIT COURT OF THE FOURTH JUDICIAL CIRCUIT, IN AND FOR DUVAL COUNTY, FLORIDA ANN PEARSON & SAM PEARSON, Plaintiffs, Vv. CASE NO.: 16-2021-CC-005504-XXXX-MA STATE FARM FLORIDA INSURANCE COMPANY, Defendant. / AMENDED COMPLAINT AND DEMAND FOR JURY TRIAL Plaintiffs sues Defendant and allege: This is an action for damages that exceeds Thirty Thousand Dollars ($30,000.00) exclusive of interest, costs, and attorney's fees. At all times material hereto, in consideration of a premium paid by Plaintiffs, there was in full force and effect a certain property insurance policy issued by Defendant with a policy number of 80-CD-A178-8 (Policy). A copy of the Policy is attached as ExhibitA. Accordingly, under the terms of the Policy, Defendant agreed to provide insurance coverage to Plaintiffs’ property against certain losses for both the actual cost value and replacement cost value. Plaintiffs’ property is located at 1655 Hammock Grove Ln, Jacksonville, Florida 32225. On or about April 17, 2022, while the Policy was in full force and effect, the Property suffered a loss caused by a wind/hailstorm (Loss). The Property’s roof, exterior, and/or interior, suffered damage caused by wind, wind-borne debris, wind-driven rain, hail, and/or water. Promptly thereafter Plaintiffs reported the Loss to Defendant. Page 1 of 3 ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK, 12/21/2022 08:12:37 PM Accordingly, Defendant assigned claim number 59-33Z2-32Q to the Loss and investigated the Loss. Subsequently, Defendant failed to property indemnity Plaintiffs for the Loss. 10 By failing to property indemnity Plaintiffs for the Loss, Defendant has materially breached the Policy. 1 Plaintiffs suffered and continues to suffer damages resulting from Defendant’s material breach of the Policy. 12 All conditions precedent to the filing of this action have been satisfied or waived. 13 Plaintiff was obligated to retain the undersigned attorneys for the prosecution of this action and is entitled to reasonable attorneys’ fees pursuant to Fla. Stat. § 627.428. WHEREFORE, Plaintiffs respectfully request that this Honorable Court enter judgment against Defendant for damages, plus interest, court costs, and reasonable attorneys’ fees pursuant to Fla. Stat. § 627.428. DEMAND FOR JURY TRIAL Plaintiffs demands trial by jury of all issues triable as a matter of right. [CERTIFICATE OF SERVICE ON THE FOLLOWING PAGE] Page 2 of 3 CERTIFICATE OF SERVICE I CERTIFY that a copy the foregoing document has been furnished to: Samantha C. Valley and Kara K. Cosse at Kubicki Draper, SV@kubickidraper.com; Shereese.Plummer@kubickidraper.com; KD_PROPJAX@kubickidraper.com; KCC@kubickidraper.com, by email on December 21, 2022. Dated: December 21, 2022. Respectfully submitted, /s/ Julie M. Geary Julie M. Geary, Esq. Florida Bar No: 1015299 Weisser Elazar & Kantor, PLLC Attorney for Plaintiffs 708 E. Colonial Dr., Suite 103 Orlando, FL 32803 T: (407) 698-5620 F: (954) 572-8695 Email: JG@WEKLaw.com AG@WEKLaw.com Service@WEKLaw.com Page 3 of 3 EXHIBIT A State Farm Florida Insurance Com A Stock Company With Home Offices in Winter Haven, Florida PO Box 88049 Atlanta GA 90356-9901 &StateFarm Ata H-19-614C-FA77 F HW PEARSON, ANN & SAMUEL LAMAR RENEWAL DECLARATIONS 1655 HAMMOCK GROVE LI JACKSONVILLE FL 32225-5575 AMOUNT DUE: None Payment is due by BILLED THROUGH SFPP Policy Number: 80-CD-A178-8 Policy Period: 12 Months Effective Dates: APR 04 2022 to APR 04 2023 The policy period begins and ends at 12:01 am standard time at the residence premises. Homeowners Policy Your State Farm Agent CHRISTOPHER PATRICK Location of Residence Premises 1301 MONUMENT RO STE 16 1655 HAMMOCK GROVE LN JACKSONVILLE FL 32225-6462 JACKSONVILLE FL 32225-5575 Phone: (904) 323-0972 Construction: Frame Roof Material: Composition Shingle Year Built: 2004 Roof Installation Year: 2004 Automatic Renewal If the POLICY PERIOD is shown as 12 MONTHS, this policy will be renewed automatically subject to the premiums, rules, and forms in effect for each succeeding policy period. If this policy is terminated, we will give you and the Mortgagee/Lien- holder written notice in compliance with the policy provisions or as required by law. IMPORTANT MESSAGES: For the full name of each assessment entity and the dollar amount, please see Additional messages. NOTICE: Information concerning changes in your policy language is included. Please call your agent with any questions. Coverage Change Premium Increase $75.00 Rate Change Premium Increase $74.00 Please help us update the data used to determine your premium. Contact your agent with the year each of your home’s utilities (heating/cooling, plumbing, or electrical) and roof were last updated. PREMIUM Annual Premium $1,769.00 Hurricane Premium 457.00 (Included) Other Covered Losses 1,312.00 (Included) FL EMPA ASSESSMENT 2.00 FIGA ASSESSMENT 12.38 Your premium has already been adjusted by the following: Bldg Code Rating Home/Auto Discount Claim Record Discount Wind Mitigation Discount Loyal Customer Total Premium $1,783.38 Prepared FEB 03 2022 Page tof 4 un anna Thawke bone batten ue cerive cit &Statefarm NAMED INSURED MORTGAGEE AND ADDITIONAL INTERESTS PEARSON, ANN & SAMUEL LAMAR PHA Na EReBBi con aaa danger eer arr SECTION | - PROPERTY COVERAGES AND LIMITS Coverage Limit of Liability A Dwelling $ 428,900 Other Structures $ 42,890 B Personal Properly $ 321,675 C Loss of Use $ 128,670 Additional Coverages Arson Reward $1,000 Credit Card, Bank Fund Transfer Card, Forgery, and Counterfeit Money $1,000 Debris Removal Additional 5% available/$1,000 tree debris Fire Department Service Charge $500 per occurrence Fuel Oil Release $10,000 Locks and Remote Devices $1,000 Trees, Shrubs, and Landscaping 5% of Coverage A amount/$750 per item SECTION It - LIABILITY COVERAGES AND LIMITS Coverage Limit of Liability L Personal Liability (Each Occurrence) $ 100,000 Damage to the Property of Others $ 1,000 M Medical Payments to Others (Each Person) $ 1,000 INFLATION Inflation Coverage Index: 318.7 DEDUCTIBLES Section | Deductible Deductible Amount Other Losses 1% $ 4,289 Hurricane 2.00% $ 8,578 LOSS SETTLEMENT PROVISIONS A1 Replacement Cost - Similar Construction B1 Limited Replacement Cost - Coverage B um anna 80-CD-A178-8 &Statefarm FORMS, OPTIONS, AND ENDORSEMENTS HW-2159 Homeowners Policy Option ID Increase Dwlg up to $85,780 Option OL Ordinance/Law 25%/ $107,225 Option JF Jewelry and Furs $1,500 Each Article/$2,500 Aggregate HO-2567 FL Cat Grnd Cover Collapse Cov HO-2571 Hurricane Deductible HO-2228 Amendatory Endorsement HO-2444.2 *Back-Up Of Sewer Or Drain - 10% of Coverage A/$ 42,890 *New Form Attached ADDITIONAL MESSAGES Florida Assessment - Full Entity Name Amount Florida Emergency Management Preparedness, and Assistance Trust Fund Assessment $ 2.00 Total Florida Assessments $ 2.00 Your building code effectiveness grading schedule adjustment can range from a surcharge of 1% to a credit of 8%. Your Building Code Effectiveness Grading Schedule Adjustment: $106.00 CR Hurricane Deductible Notice Hurricane Deductibles may be per calendar year. There is also a possibility that the deductible applied at the time of hurricane loss may be different than the amount shown. Refer to the applicable hurricane deductible and/or hurricane coverage endorsement attached to this policy. Please contact your State Farm agent if you have any questions. State Farm® works hard to offer you the best combination of price, service, and protection, The amount you pay for homeowners insurance is determined by many factors such as the coverages you have, the type of construction, the likelihood of future claims, and information from consumers reports. Other limits and exclusions may apply - refer to your policy Your policy consists of these Declarations,the Homeowners Policy shown above, and any other forms and endorsements that apply, including those shown above as well as those issued subsequentto the issuance of this policy. This policy is issued by the State Farm Florida Insurance Company. Participating Policy You are entitled to participate in a distribution of the earnings of the company as determined by our Board of Directors in accordance with the Company’s Articles of Incorporation, as amended, In Witness Whereof, the State Farm Florida Insurance Company has caused this policy to be signed by its President and Secretaryat Bloomington, Illinois. Yast Seid OL Mewar Secretai President Prepared FEB 03 2022 Page 3of 4 ue anna & StateFarm Your coverage amount... Itis up to you to choose the coverages and limits that meet your needs, We recommend that you purchase a coverage limit at least equal to the estimated replacement cost of your home. Replacement cost estimates are available from building contractors and replacement cost appraisers, or, your agent can provide an Xactware estimate using information you provide about your home. We can accept the type of estimate you choose as long as it provides a reasonable level of detail about your home. State Farm® does not guarantee that any estimate will be the actual future cost to rebuild your home. Higher limits are available at higher premiums, Lower limits are also available, which if selected may make certain coverages unavailable to you. We encourage you to periodically review your coverages and limits with your agent and to notify us of any changes or additions to your home, THIS POLICY CONTAINS. & SFR ARATE DEDUCTIBLE FOR HURRICANE LOSSES MY RESULT IN HIGH OUT-OF-POCKET EXPENSES 4S YO LAW AND ORDINANCE: LAW AND ORDINANCE AT COVERAGE IS AN IMPORTANT COVERAGE MAY WISH TO PURCHASE. PLEASE DISCUSS |With YOUR INSURANCE AGENT. FLOOD INSURANCE: YOU MAY ALSO NEED T' CONSIDER THE PURCHASE OF FLOOD INSURANC YOUR HOMEOWNER'S INSURANCE POLIC INCLUDE COVERAGE AGE RESULTING FROM FLOOp EBS IF HURRICANE WINDS RAIN CAUSED SEPARA INSURANCE COVERAGE, YOU MAY HAVE UNCOVERED LOSSES CAUSED BY FLOOD. PLEASE DISCUS SE SEPA ATE FLOOD INSURANCE SOVERAGE’ WIth Your INSURANCE AGE YOUR POLICY PROVIDES COVERAGE FOR A CATASTROPHIC GROUND COVER COLLASPE THAT RESULTS IN THE PROPERTY BEING CONDEMNED AND ONINHABITABLE OTHERWI E, YOUR POLIC DOES Nor OE COVERA' R LE LOSSE HASE ADDITIONAL COVERAGE FOR SINKHOLE LOSSES FOR AN ADDITIONAL PREMIUM. 19 ann 80-CD-A178-8 002309 HO-2444.2D Page 1 of 2 NOTICE OF CHANGE IN POLICY TERMS Effective with this policy term, HO-2444.2 BACK-UP OF SEWER OR D RAIN ENDORSEMENT (Home- owners) replaces HO-2444 BACK-UP OF SEWER OR DRAIN ENDORSEMENT (Homeowners). This notice summarizes the changes being made to your policy. Please read the new endorsement care- fully and note the following changes: . Language has been added to describe how COVERAGE C - LOS: S OF USE, Option OL — Building Ordinance or Law, and other SECTION | — ADDITIONAL COVERAGES apply to this endorsement. Endorsement HO-2444.2 follows this notice. Please read it t! horoughly and place it with your policy. If you have any questions about the information in this notice, ple ase contact your State Farm® agent. DISCLAIMER: This notice only provides a general summary of changes to your State Farm policy. This notice is not a statement of contract This notice does not change, madi, or invafdete the provisions, terms, or conditions as set ferth In your State Farm pofey booklet, the most recently Issued declarations, and any appicable endorsements, BACK-UP OF SEWER OR DRAIN ENDORSEMENT (Homeowners) This endorsement modifies insurance provided under the following: HOMEOWNERS POLICY The following is added to SECTION I - ADDITIONAL COV- (b) this endorsement is attached to replace an- ERAGES: other Back-Up of Sewer or Drain Endorse- Back-up of Sewer or Drain. We will pay for accidental ment. However, if this endorsements direct physical loss to the dwelling and covered personal coverage limits are higher than those of the roperty located within the dwelling, caused by back-up endorsement it replaces, then the limitation of water or sewage, subject to the following: described in (2) above applies only to the in- a. The back-up must be directly and immediately crease in coverage limits. caused solely by water or sewage: ©. If you request an increase to the coverage limit for (1) from outside the residence premises plumbing this endorsement, the increased coverage limit does system that enters through a sewer or drain lo- not apply to losses that occur or are in progress cated inside the interior of the dwelling; or within the first 5 days of your request. (2) that enters into and overflows from within a The total limit of insurance provided by this endorse- ‘sump pump, sump pump well, or any other sys- ‘ment will not exceed the amount determined by ap- tem located inside the interior of the dwelling plying the Back-Up Of Sewer Or Drain percentage. designed to remove subsurface water drained (%) shown in the Declarations to the COVERAGE from the foundation area. A- DWELLING limit shown in the Declarations, as Coverage does not apply to: adjusted by the inflation coverage provisions of this policy. This is an additional amount of insurance. (1) losses resulting from your failure to: The deductible for each loss under this coverage is (a) keep a sump pump or its related equipment the amount shown in the Declarations under Sec- in proper working condition; or tion | Deductible for “Other Losses” or “All Losses”, (b) perform the routine maintenance or repair whichever applies. necessary to keep a sewer or drain free from obstructions; or When applicable, the following coverages applyto a loss covered by this endorsement: (2) losses that occur or are in progress within the first 5 days of the inception of this endorsement. (1) COVERAGE C-LOSS OF USE; This limitation does not apply when: (2) SECTION |- ADDITIONAL COVERAGES; and (a) this endorsement is attached to a newly is- (3) Option OL ~ Building Ordinance or Law, only ‘sued policy; or if this option is shown in the Declarations. ©, Copyright, State Farm Mutual Automobile Insurance Company, 2020 HO-2444.2D Page 2 of 2 Any payments made for these coverages are in- (7) water or sewage from outside the residence cluded in, and not in addition to, the limit of insurance premises plumbing system that enters through described in item d. above. sewers or drains, or water or sewage that enters For purposes of this endorsement only: into and overflows from within a sump pump, ‘sump pump well, or any other system designed a. SECTION | - LOSSES INSURED, item 12.b.(2) is deleted to remove subsurface water that is drained from from the policy. the foundation area; b. SECTION | - LOSSES NOT INSURED, Water is re- except as specifically provided in SECTION | - AD- placed by: DITIONAL COVERAGES, Back-Up of Sewer or Water, meaning: Drain (1) flood; (8) water or sewage below the surface of the (2) surface water. This does not include water ground, including water or sewage that exerts solely caused by the release of water from a pressure on, or seeps or leaks through a build- swimming pool, spigot, sprinkler system, hose, ing structure, sidewalk, driveway, swimming or hydrant; pool, or other structure; or @ waves (including tidal wave, tsunami, and @) material carried or otherwise moved by any of seiche); the water or sewage, as described in items c.(1) through c.(8) above, (4) tides or tidal water; However, we will pay for any accidental direct physical ©) overflow of any body of water (including any re- loss by fire, explosion, or theft resulting from water, pro- lease, escape, or rising of any body of water, or any water held, contained, controlled, or di- vided the resulting loss is itselfa loss insured. verted by a dam, levee, dike, or any type of wa- ©, SECTION | - CONDITIONS, Other Insurance is re- ter containment, diversion, or flood control placed by: device); Other Insurance. This coverage is excess over ©) spray of surge from any of the items c.(1) other valid and collectible insurance. through ¢.(5) described above, all whether driven by wind or not; All other policy provisions apply. HO-2444.2 ©, Copyright, State Farm Mutual Automobile Insurance Company, 2020 80-CD-A178-8 002310 553-2470 FL3- NOTICE OF AVAILABILITY Hurricane Deductible A hurricane deductible is a special deductible that applies only to a covered loss caused by hurricane. We offer hurricane deductibles of 2%, 5%, 10% or 15% on qualifying Homeowners, Renters or Condominium Unitowners policies that include hurricane coverage, Percentage hurricane deductibies are determined by multiplyingthe deduetible percentage by your Coverage A - Dwelling limit if you have a Homeowners Policy, or by your Coverage B — Personal Property limit if you have a Renters or Condominium Unitowners Policy. The following chart illustrates how a percentage hurricane deductible is applied to a single loss in a calendar year. Let’s assume your home has a coverage limit of $100,000 (Coverage A for Homeowners, or Coverage B for Renters and Condominium Unitowners), and you have a covered hurricane loss of $20,000, HURRICANE DEDUCTIBLE: 2% 5% 10% Amount of covered hurricane loss: $20,000 | $20,000} $20,000 Deductible amount $2,000} $5,000} $10,000 (Your responsibility - Hurricane deductible percentage multiplied by $100,000) Amount State Farm® pays: $18,000 | $15,000 | $10,000 If you request a change in your hurricane deductible, the request for change must be made prior to the expiration date of your current policy term. All changes to hurricane deductibles are made effective only at the policy renewal date. Mid-term requests for a hurricane deductible change will be made at the next policy renewal date. Based on Florida statute 627.701, if you have a hurricane loss or have. already had a hurricane loss during the calendar year, prior to the renewal date, and you select a lower hurricane deductible, the lower hurricane deductible will not apply until January 1 of the following year. If you have not had a covered hurricane loss during the calendar year, the lower deductible will be effective on your renewal date. Keep in mind that by accepting a larger hurricane deductible your premium may be lower; however, you will be responsible for a greater portion of each covered loss, Some lenders may not allow a percentage. hurricane deductible higher than 2%. Check with your lenders to see if they have any restrictions. ‘Other Losses’ Deductible “Other losses’ deductible is a deductible that applies: * to all covered losses from perils other than hurricane, and, * to all covered losses from hurricane if the hurricane deductible is exhausted, or, * ifthe remaining hurricane deductible is less than the amount of the ‘other losses’ deductible. We offer an ‘other losses’ deductible equal to $500. Higher ‘other losses’ deductibles are also available. Keep in mind that by accepting a larger deductible your premium may be lower; however, you will be responsible for a greater portion of each covered loss. We do not offer an ‘other losses’ deductible in an amount greater than the hurricane deductible, Your policy Declarations Page reflects your current ‘other losses’ deductible and hurricane deductible. These deductibles will apply unless you choose different deductibles. Please contact your State Farm agent if you would like more information, or would like to change your hurricane of ‘other losses’ deductibles. 553-2470 FL (CONTINUED) 553-3299 FL. (Important information regarding your policy premium Your policy premium may include one or more of the following assessments: ens Proj Insurance ition ‘Under state law, Citizens Property Insurance Corporation (Citizens) may assess all property insurance companies to cover any deficit resulting from losses, including hurricane losses. Insurance companies are permitted to recoup this assessment from their policyholders. ‘These assessments may be imposed for more than one deficit year, and may be in the form ofa “regular” assessment or an “emergency” assessment. If your premium includes a Citizens assessment, your renewal notice will indicate the applicable assessment (for example, 2005 CITIZENS-REG, 2005 CITIZENS-EM, etc.) and the assessment amount. T ida Insurance Asso iol ‘The Florida Insurance Guaranty Association (FIGA) was created by the Florida legislature to administer the claims of insolvent property and casualty insurance companies. Under state law, the FIGA may secure funds to pay covered claims and expensesby assessing property and casualty insurers. Insurance companies are permitted to recoup this assessment from their policyholders. ‘These assessments may be imposed for more than one deficit year, and may be in the form of a “regular” assessment or an “emergency” assessment. If your premium includes any FIGA assessments, your renewal notice will indicate the applicable assessment (for example, 2009 FL GUARANTY-REG, 2007 FL GUARANTY-EM, etc.) and the assessment amount. Florida Hurricane Catastrophe Fun ‘The Florida Hurricane Catastrophe Fund (FHCE) was created in 1993 during a special legislative session after Hurricane Andrew. The fund protects the state’ interest in maintaining insurance capacityin Florida by providing reimbursements to insurers for a portion of their catastrophic hurricane losses. The assessments shall continue until the Office of Insurance Regulation is directed by the Board to issue an Order superseding or terminating the Order levying the assessment. If your premium includes this assessment, your renewal notice will indicate the applicable assessment (FHCF ASSESSMENT) and the assessment amount. ency Mai Preparedi istance Florida statute established the Emergency Management, Preparedness and Assistance (EMPA)Trust Fund, which is funded by an annual surcharge of $2.00 on residences of every home-owner, mobile homeowner, tenant homeowner, and condominium unit owner, and a $4.00 surcharge on commercial fire, commercial multiple peril, and business owner property insurance policies. Money in the fund may not be used to supplant existing funding. The rules for the allocation of funds are: 60% to implement and administer state and local emergency management programs (training, specified percentages of which go to counties and local agencies), 20% for state reliefassistance for non-federally declared disasters, and 20% for grants and loans to state or regional agencies, local governments, and private organizations to implement projects that will further state and local emergency management objectives. If your premium includes this assessment, your renewal notice will indicate the applicable assessment (FL EMPA ASSESSMENT) and the assessment amount, Hori of the Florida State Fire College to The funds received from the Insurance Regulatory ‘Trust Fund shall be used by the staff provide all necessary services, training, equipment, and supplies to carry out the college's responsibilities, including, but not limited to, the State Fire Marshal Scholarship Grant Program and the procurement of training films, videotapes, audiovisual equipment, and other useful information on fire, firefighting, and fire prevention, including public fire service information packages. If your premium includes this assessment, your renewal notice will indicate the applicable assessment (FL TRUST FUND) and the assessment amount. Ifyou have any questions regarding the information in this notice, please contact your State Farm* agent, 353-3299 FL (C) (CONTINUED) 80-CD-A178-8 002311 553-4157 NOTICE TO POLICYHOLDER For a comprehensive description of coverages and forms, please refer to your policy. Policy changes that you requested before the “Date Prepared" on your Renewal Declarations are effective on the renewal date this policy unless indicated otherwise by a separate endorsem lent, of binder or Amended Declarations Page. Any coverage forms or endorsements included with your Renewal Declarations are eff fective on the renewal date of this policy, Policy changes that you requested after the “Date Prepared” on your Renewal Declarations will be sent to you as an Amended Declarations Page or as an endorsement to your policy. You will be billed for any resulting premium increase later. If you have acquired any valuable property items, made any im| provemen ts to your home, or have questions about your insurance coverage, please contact your State Farm® agent. 853-4157 (C) 553-4156 PREMIUM ADJUSTMENT Insurance premiums have been adjusted and continue to reflect the expected premiums increase while other policy 'yholders may see their premiums decreasecost of claims. Some policyholders will see their or stay the same. The amount your premium changed, if at all, depends on sever: al factors including the expected claim experience in your area, the coverage you have, and any applicable discounts or charges. . The enclosed Renewal Declarations reflects your new premium. State Farm® works hard to offer you the best combinatio: n of cost, protection, and service. We will continue doing our best to make the most effective use of your premium dollars ane id give you superior service when you need it, If you have any questions about your premium, or policy coverages, please contact your State Farm agent. 553-4156 553-3144 IMPORTANT NOTICE. . . Information Regarding Your Premium Consumer reports mat 'y be used to determine the price you are charged. We may also obtain and use a credit-based insuranc score developed from information contained it in these reports, We may use a third party in connection with the developmente of your insurance score. ‘You have the right to request, no more than once in a 12 mont th period that your policy be re-rated. Re-rating could result in a Jower rate, no change in rate or a higher rate. 553-3144 (C) (10/09) (CONTINUED) 553-3369 FL. (NoTICE OF AVAILABILITY 50% Building Ordinance or Law Coverage Your State Farm’ Florida Homeowners Policy provides Building Ordinanc e or Law coverage equi al to 259 of the Coverage A ~ Dwelling limit of insuranc e. The ire may be changes in local building co ydes that regulate the construction, repair or demolition. used of your home. In the event ofa loss, you may not be able to rebuild ot re;pair your home with the same materials thatyou were comply an additiona l amount of coverage to help when it was constructed. Building Ordinance or Law coverage provides with the changes in local building codes. Building Ordinance or Law coverage 0£50% is also available for an additional premium. If you do not currently carry Building Ordinance or Law coverage of 50% and are interested in purchasing this coverage, please contact your State Farm agent. 553-3369 FL (C) 553-4368 FL { NEW COVERAGE OPTION The following new coverage option is available by endorsement for a reduced premium: . Special Li jit for Water Damage Endorsement -allows you to select co erage limits of $10,000, $20,000 or $30,000 for water losses caused by abrupt and accidental discharge, in exchange for a premium reduction. When one of these limits of covered water losses or the is selected, that limit is the most we will pay in any one policy peri iod regardless of the number number of claims made during the policy period. information, please contact your State Farm® agent. If you would like to select this option for your policy or would ike more is not a sta! itement of contract. This message does not This notice is a general description of coverage or coverage changes and s of your policy, ‘or any other applicable endorsements. change, modify, or invalidate any of the provisions, terms, or condition 553-4368 FL 553.2798.1 IMPORTANT NOTICE ABOUT YOUR POLICY you're insured With our Claim Record Rating Plan, your savings will typically increase the fewer claims you have and the onlongeryour state, claims based on the number of f claims under the rating plan. Depending with State Farm®, We adjust premiums ied claims where permitted. In under the plan generally include those resulting in a paid loss and may include weather-relat influence your premium. addition, any claims with your prior insurer resul ting in property damage or injury may also on the number of y ears that you have been with us. Our Loyal Customer Discount provides a premium discount based state, the claims we consider for the plan, or For more information about whether the Claim Record Rating Plan applies in your Farm agent. whether the Loyal Customer Discount is in effect in your state, please contact your State 553-2798.1