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Filing # 185446869 E-Filed 11/03/2023 03:12:07 PM
IN THE CIRCUIT COURT OF THE NINTH JUDICIAL CIRCUIT,
IN AND FOR OSCEOLA COUNTY, FLORIDA
DAVID L. BUSH AND DEBRA L. CASE NO. 2023 CA 004530 CI
BUSH,
Plaintiffs,
vs.
SECURITY FIRST INSURANCE
COMPANY,
Defendant.
DEFENDANT'S REQUEST FOR ADMISSIONS TO PLAINTIFFS
COMES NOW, the Defendant, SECURITY FIRST INSURANCE COMPANY, by and
through the undersigned attorney and pursuant to the Florida Rule of Civil Procedure 1.370, hereby
files this, their Requests for Admissions to Plaintiffs and states as follows:
1. Admit that DAVID L. BUSH AND DEBRA L. BUSH are the current owners of
the subject property located at 1101 Georgia Ave, St. Cloud, FL 34769.
2. Admit that the date of loss is September 29, 2022.
3. Admit that the property at issue in this lawsuit was insured by the Defendant,
Security First by a Policy bearing the Policy # P000030365 during the applicable policy period of
February 19, 2022, through February 19, 2023, a true and correct copy of which is attached hereto
as Exhibit “A” (hereinafter the Policy).
CASE NO.: 2023 CA 004530 CI
4. Admit that the subject property located at 1101 Georgia Ave, St. Cloud, FL
34769.
5. Admit that the alleged loss was reported to the Defendant on March 17, 2023.
6. Admit that the policy contains the following provisions:
2. Your Duties After Loss
In case of a loss to covered property, you must see that the following are
done:
a. Give prompt notice to us or our agent
7. Admit that by waiting until March 17, 2023, to report the claim that prompt notice
was not given to the Defendant.
8. Admit that the Defendant properly investigated the claim.
[CERTIFICATE OF SERVICE ON FOLLOWING PAGE]
2
CASE NO.: 2023 CA 004530 CI
CERTIFICATE OF SERVICE
The document contains no confidential or sensitive information or that any such
confidential or sensitive language has been properly protected by complying with the provisions
of Rules 2.420 and 2.425.
I HEREBY CERTIFY that a true and correct copy of the foregoing has been furnished by
Electronic Filing to Attorney for Plaintiff, Melissa Lebron, Esquire, using the Florida Courts e-
Filing Portal, which will send an automatic e-mail message to the listed parties registered with the
e-Filing Portal system on the 3rd day of November, 2023.
Attorneys for Plaintiff
Melissa Lebron, Esq.
Florida Bar No.: 1028748
Kanner & Pintaluga, P.A.
1000 Legion PL Suite 100
Orlando, FL 32801
Telephone: (561) 424-0032
mlebron@kpattorney.com
psouza@kpattorney.com
firstpartyeservice@kpattorney.com
By: /s/ Andrew Barthelemy
Andrew Barthelemy, Esquire
1001 Broadway Avenue
Ormond Beach, Florida 32174
Telephone: 386-236-1640
Florida Bar No.: 1010181
Primary Email: Andrew.Barthelemy@secuirtyfirstflorida.com
Secondary Email: Rachel.Dolezal@securityfirstflorida.com
Alternate Email: Tori.Shultz@securityfirstflorida.com
Attorney for Defendant
SECURITY FIRST INSURANCE COMPANY
3
Exhibit
“A”
POLICY PROCESSING CENTER:
P.O. BOX 105649
ATLANTA, GA 30348-5649
10/10/2023
SECURITY FIRST MANAGERS LLC CLAIM NUMBER: 246334
1001 Broadway Ave POLICY NUMBER: P000030365
Attn: Accounting PRIMARY NAMED INSURED:
Ormond Beach, FL 32174-2905 DAVID BUSH
PROPERTY ADDRESS:
1101 GEORGIA AVE
ST. CLOUD, FL 34769-3566
SFI FL CLM 09 21 © Security First Insurance Company www.SecurityFirstFlorida.com
Security First Insurance Company
State of Florida
County of Volusia
Claim# 246334
Policy# P000030365
Term: 02/19/2022 - 02/19/2023
I do hereby certify that the following document(s) are true and correct as of 09/29/2022
and have not been amended from their original form, except for conversion to electronic
format where applicable.
Policy Declarations
Policy Type: Dwelling Fire Dwelling Landlord DF3 DL
Policy Number: P000030365
Policy Effective Date: 02/19/2022 12:01 AM
Security First Insurance Company Policy Expiration Date: 02/19/2023 12:01 AM
P.O. BOX 105651 Date Printed: 12/31/2021
ATLANTA, GA 30348-5651
Agent Contact Information Premium Information
MICHAEL A. LAPELLA Total Premium Amount: $2,716.70
MICHAEL ALEXANDER LAPELLA
1340 TUSKAWILLA RD STE 109
WINTER SPRINGS, FL 32708-5030 Hurricane Premium: $1,237.00
Non-Hurricane Premium: $1,434.00
Email: A056361@allstate.com Total Policy Premium before Fees: $2,671.00
Phone: (407) 695-1600 Total Policy Fees: $45.70
See additional premium detail on page 2
Agency ID: X03127 Agent License #: A149628
Named Insured(s)
Named Insured: DAVID BUSH
Mailing Address: 3160 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Email Address: debbush_3@hotmail.com Phone: (716) 485-3570
Named Insured: DEBRA L BUSH
Mailing Address: 3160 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Email Address: DEBBUSH_3@HOTMAIL.COM
Coverage Information
COVERAGE IS PROVIDED WHERE A PREMIUM OR LIMIT OF LIABILITY IS SHOWN FOR THE COVERAGE
Insured Property Location 1101 GEORGIA AVE, ST. CLOUD, FL 34769-3566 County: OSCEOLA
Property Coverages Limit Premium
Coverage A (Dwelling) $225,000 $2,291.00
Coverage B (Other Structures) $4,500 Included
Coverage C (Personal Property) $3,000 $139.00
Coverage D & E (Fair Rental Value & Additional Living Expense) $22,500 Included
Liability Coverages
Coverage L (Premises Liability) $300,000 $80.00
Coverage M (Medical Payments to Others) $5,000 Included
Amount
All Other Perils Deductible $1,000
Hurricane Deductible $4,500 (2% of Cov A)
Water Deductible $1,000
SFI FL DF3 DL DEC 09 21 © Security First Insurance Company Page 1 of 5
Additional Coverages
Endorsement Name Premium
Water Damage Coverage: Standard Included
Roof Loss Settlement: Actual Cash Value Included
Loss Assessment Coverage Included
Limited Fungi Coverage Included
Limited Fungi Coverage Liability Included
Ordinance or Law Coverage $136.00
Water Back Up and Sump Overflow Included
Additional Coverages Limits
Endorsement Name Limit
Limited Fungi Coverage $10,000 per loss/$10,000 policy total
Limited Fungi Coverage Liability $50,000 per loss/$50,000 policy total
Ordinance or Law Coverage $56,250
Loss Assessment Coverage $1,000
Water Back Up and Sump Overflow $5,000
Premium Detail
Amount
Hurricane Premium: $1,237.00
Non-Hurricane Premium: $1,434.00
Policy Fee Details
Managing General Agency Fee $25.00
Emergency Management Preparedness and Assistance Trust Fund Fee $2.00
Florida Insurance Guaranty Association 2022 Regular Assessment Recoupment Fee $18.70
Policy Fee Total: $45.70
Total Premium Amount: $2,716.70
Property Information
Construction Type: Masonry 100% Protection Class: 02
Year Built: 1993 Territory: 5 / 097-B / 999
Usage Type: Rental Only Building Code Effectiveness Grade: 99
Distance to Coast: 185,297.00 Opening Protection: None
Roof Shape: Gable Year Roof Built/Last Replaced: 2006
Exclude Wind/Hail Coverage: No Predominant Roof Material: Shingles: Asphalt or
Composition
Credits and Surcharges
Credits Surcharges
All Other Perils Deductible Credit
Hurricane Deductible Credit
Protection Class Credit
Burglar Alarm Credit
Fire Alarm Credit
SFI FL DF3 DL DEC 09 21 © Security First Insurance Company Page 2 of 5
Policy Forms & Endorsements
OIR-B1-1670 01 06 Checklist of Coverage
SFI FL DF CDE 05 20 Communicable Disease Exclusion
SFI FL DF3 RSE 04 21 Roof Surfaces Payment Schedule Endorsement
SFI FL DF AI 01 20 Additional Interests Described Location
SFI FL DF3 DL DN 12 20 Deductible Notification Form
SFI FL DF3 DL PRL 12 20 Premises Liability
SFI FL DF PRI 01 20 Privacy Policy
SFI FL DF3D COV 12 20 Dwelling Property 3 Special Form (SFI FL DF3D) Table of Contents
SFI FL DF CDE NCC 04 21 Policyholder Notice of Coverage Change - Communicable Disease Exclusion
SFI FL DF3D WDE 12 20 Water Deductible Endorsement
SFI FL DF AFP 01 20 Premises Alarm or Fire Protection System
SFI FL DF PL 01 20 Personal Liability
SFI FL DF3 OL 12 20 Ordinance or Law Coverage
SFI FL DF3D 12 20 Dwelling Property 3 Special Form
SFI FL DF3D SF NCC 12 20 Policyholder Notice of Coverage Changes DF3D Special Form and Applicable
Endorsements
SFI FL DF3D SP NCC 06 21 Policyholder Notice of Coverage Changes Special Provisions - Florida and Applicable
Endorsements
DP 04 63 07 88 Loss Assessment Coverage
SFI FL DF3 DL OTL 04 21 Dwelling Fire Landlord Policy Outline of Coverage
SFI FL DF3 SP 07 21 Special Provisions - Florida
OIR-B1-1655 02 10 Notice of Premium Discounts for Hurricane Loss Mitigation
SFI FL DF HD 06 20 Hurricane Deductible Endorsement
SFI FL DF3 RSE NCC 04 21 Policyholder Notice of Coverage Change Roof Loss Settlement
Additional Interests/Insureds/Mortgagees
Type: Mortgagee - First Mortgagee
Loan #: 9719389745
Name: Caliber Home Loans Inc ISAOA-ATIMA
Address: PO BOX 7731
City: SPRINGFIELD, State: OH Zip: 45501-7731
SFI FL DF3 DL DEC 09 21 © Security First Insurance Company Page 3 of 5
Notices
THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES, WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU.
FLOOD INSURANCE: YOU MAY ALSO NEED TO
CONSIDER THE PURCHASE OF FLOOD INSURANCE.
YOUR DWELLING INSURANCE POLICY DOES NOT
INCLUDE COVERAGE FOR DAMAGE RESULTING FROM
FLOOD EVEN IF HURRICANE WINDS AND RAIN CAUSED
THE FLOOD TO OCCUR. WITHOUT SEPARATE FLOOD
INSURANCE COVERAGE, YOU MAY HAVE UNCOVERED
LOSSES CAUSED BY FLOOD. PLEASE DISCUSS THE
NEED TO PURCHASE SEPARATE FLOOD INSURANCE
COVERAGE WITH YOUR INSURANCE AGENT.
YOUR POLICY PROVIDES COVERAGE FOR A CATASTROPHIC GROUND
COVER COLLAPSE THAT RESULTS IN THE PROPERTY BEING
CONDEMNED AND UNINHABITABLE. OTHERWISE, YOUR POLICY DOES
NOT PROVIDE COVERAGE FOR SINKHOLE LOSSES. YOU MAY
PURCHASE ADDITIONAL COVERAGE FOR SINKHOLE LOSSES FOR AN
ADDITIONAL PREMIUM.
You may reduce your policy premium by taking advantage of premium credits for shutters, housing features
and other mitigation (loss prevention) devices. Contact your insurance agent to request information regarding
these discounts.
This policy does not protect you against loss caused by the peril of flood. If you are interested in obtaining more
information on flood insurance coverage, please contact your property-casualty insurance agent or broker to
apply for coverage.
This policy contains a separate deductible for hurricane losses, water losses and a separate deductible for all
other perils, insured against.
The deductibles shown in your policy declaration page(s) are the deductibles that will apply as described in
your policy, in the event of a covered loss. If your policy was assumed from another carrier, we may have
selected the deductibles shown on your declaration page(s). Other deductibles may be available. Please
contact your insurance agent or broker for additional information.
SFI FL DF3 DL DEC 09 21 © Security First Insurance Company Page 4 of 5
Property coverage limit increased due to an inflation factor applied to your policy.
Your Building Code Effectiveness Grading schedule adjustment is 0% for the hurricane portion and 0% for the
non-hurricane portion of the premium. The adjustments can range from a surcharge of 1% to a discount of 12%
for the hurricane premium, and from a surcharge of 1% to a discount of 3% for the non-hurricane premium.
{*}Premium change due to rate increase/decrease:{*}
{*}Premium change due to coverage change:{*} $956.00
Authorized Countersignature:
Customer Service:
· (877) 333-9992
Report a Claim 24/7:
· Call toll-free (877) 581-4862. International callers, dial (386) 673-5308.
· Log into the customer portal, My Security First, at www.MySFI.com.
· To report an identity theft claim, call (800) 676-5696.
SFI FL DF3 DL DEC 09 21 © Security First Insurance Company Page 5 of 5
POLICYHOLDER NOTICE OF COVERAGE CHANGES
DF3 SPECIAL PROVISIONS AND APPLICABLE ENDORSEMENTS
Thank you for trusting Security First Insurance to insure your home and for renewing your policy. We appreciate
your confidence in our company and look forward to serving your insurance needs. Please take a moment to
carefully review the enclosed renewal policy package.
The coverage changes summarized below can be found in the document titled “SPECIAL PROVISIONS –
FLORIDA ”. Please review the policy form for complete details.
DEFINITIONS
• Added definitions for “Assignee”, “Assignment agreement”, “Assignor”, “Electronic transmittal” and “Motor
Vehicle” .
COVERAGE C PERSONAL PROPERTY
• Property Not Covered
Revised: Money
o Virtual Currency has been added
Added: “Personal Property valued over $500 without proof of ownership for theft or vandalism”
o Property not covered now includes items of personal property owned or used by an “insured” that
are valued above $500 and are not supported by documents establishing proof of ownership as a
result of theft or vandalism.
PERILS INSURED AGAINST
• Revised: Coverage A – Dwelling and Coverage B – Other Structures
o 2.i.(3) has been revised.
2.j.(9) has been removed.
• Revised: Coverage C – Personal Property
o 12.(d) has been revised.
GENERAL EXCLUSIONS
• Revised: Intentional Loss, Constant or Repeated Seepage or Leakage
• Added: Pressure from or presence of tree, shrub or plant roots, “Assignment agreement”
CONDITIONS
• Revised 3. Concealment or Fraud and 4. Your Duties After Loss including an addition of Duties of an
“Assignee”.
• Revisions of 8. Meditation, 811 Suit Against Us, 12. Our Option, 13. Loss Payment, 17. Cancellation,
18. Non-Renewal and 21. Assignment.
If your policy includes any of the following endorsement forms the name of the endorsement form will
be displayed in the Policy Forms and Endorsements section of your policy Declarations page. The following
endorsement forms have been revised as outlined below. Please review the endorsement form for complete
details.
Water Damage Exclusion
• SFI FL DF3D WD 05 21 replaces SFI FL DF3D WD 12 20
• Updated to track with new Special Provisions endorsement
SFI FL DF3D SP NCC 06 21 © Security First Insurance Company Page 1 of 2
Limited Water Damage Coverage Endorsement
• SFI FL DF3D LWD 05 21 replaces SFI FL DF3D LWD 12 20
• Added the maximum we will pay for more than one occurrence during any annual policy
period is $20,000.
• $10,000 per loss limit now applies to both 2.i. and 2.j.
Dog Liability Endorsement
• SFI FL DF3 DO DL 03 21 replaces SFI FL DF3 DO DL 06 19
• Revised to clarify that animals other than the acceptable breeds of dogs would still be excluded from
Coverage L when the Dog Liability Endorsement is added.
If you have any questions regarding the changes in your policy or if you would like to make changes to your
policy, please contact your insurance agent. Your agent’s contact information and the policy’s renewal effective
date can be found on the first page of Your Policy Declarations, which is enclosed in this package.
We appreciate your business and look forward to serving you for years to come.
Security First Insurance
SFI FL DF3D SP NCC 06 21 © Security First Insurance Company Page 2 of 2
POLICYHOLDER NOTICE OF COVERAGE CHANGES
DF3D SPECIAL FORM AND APPLICABLE ENDORSEMENTS
Thank you for trusting Security First Insurance to insure your home and for renewing your policy. We appreciate
your confidence in our company and look forward to serving your insurance needs. Please take a moment to
carefully review the enclosed renewal policy package.
The coverage changes summarized below can be found in the document titled “DWELLING PROPERTY 3
SPECIAL FORM”. Please review the policy form for complete details.
The DF3D Dwelling Property Special Form has been revised to incorporate the following endorsements:
• Special Provisions for Florida
• Existing Damage Exclusion Endorsement
In addition to incorporating the mandatory endorsements into the DF3D Dwelling Property Special Form Security
First has made the following revisions:
AGREEMENT
Revised to read as shown below:
In reliance on the information you have given us, we agree to provide the insurance coverages indicated
in the Policy Declarations. In return, you must pay the premium when due, comply with the policy terms
and conditions, and inform us within 60 days of any change of ownership, title, use or occupancy of the
described location.
DEFINITIONS
• Added definitions for “Aircraft” and “Drone”.
COVERAGE C PERSONAL PROPERTY
• Property Not Covered
Revised: “Aircraft” and parts
Added: “Drones”
o Clarified model or hobby “aircraft” not used or designed to carry people or cargo are covered;
“drones” are not covered.
OTHER COVERAGES
Revised: Reasonable Emergency Measures
Clarified the cost of testing of air or property to confirm the absence, presence or level of fungi,
mold, wet rot or dry rot, or bacteria is not considered a Reasonable Emergency Measure.
• Added: Water Back Up and Sump Overflow
o Policies that have standard or limited water damage coverage now have a $5,000 limit to cover
water back up and sump overflow losses.
PERILS INSURED AGAINST
• Revised: Coverage A – Dwelling and Coverage B – Other Structures
o In addition to other revisions made in this section, Security First Insurance clarified that it is not
our intent to cover losses caused by: birds, vermin, rodents, marsupials, animals, reptiles, fish,
inspects, or pests including but not limited to termites, snails, squirrels, racoons, opossums,
armadillos, flies, bed bugs, lice, ticks, locusts, cock roaches, ants, bats, bees, wasps and fleas.
• Revised: Coverage C – Personal Property
o 12. Accidental Discharge
GENERAL EXCLUSIONS
• Revised: Water Damage, Neglect, Intentional Loss and Existing Damage
SFI FL DF3D SF NCC 12 20 © Security First Insurance Company Page 1 of 2
• Added: Constant or Repeated Seepage or Leakage and Accidental Discharge or Overflow of Water
or Steam
SECTION I and II – CONDITIONS
• Added: Change in Occupancy or Usage of Described Location
If your policy includes any of the following endorsement forms the name of the endorsement form will
be displayed in the Policy Forms and Endorsements section of your policy Declarations page. The following
endorsement forms have been revised as outlined below. Please review the endorsement form for complete
details.
Flood Coverage Endorsement replaced Optional Flood and Water Back Up Coverage
• Form SFI FL DF3D FD 12 20 replaced forms SFI FL DF3 DL FD 07 17 and SFI FL DF3 DO FD 07 17.
• Water Back Up Coverage is now included in the Dwelling Property 3 Special Form.
Water Damage Exclusion
• Form SFI FL DF3D WD 12 20 replaced form SFI FL DF3 WD 06 19.
• Broadened the definition of Water Damage.
• Added Water Back Up Coverage to the exclusion, as the coverage will be excluded when Water Damage
is excluded.
Limited Water Damage Coverage replaced Limited Water Damage Coverage and Water Damage Coverage
Exclusion
• Form SFI FL DF3D LWD 12 20 replaced form SFI FL DF3 LWD 06 19.
• The coverage limit of $10,000 per occurrence is the combined total that applies to all covered property
under Coverage A, B and C. The limit also applies to Reasonable Emergency Measures under Section I
Property Coverage occurring in the same loss.
Equipment Breakdown and Service Line Enhancement
• Form SFI FL DF3D EBSL 12 20 replaced form SFI FL DF3 EBSL 05 19.
• Updated the earth movement exclusion to coordinate with the new DF3 Special Form.
Optional Sinkhole Loss Coverage
• Form SFI FL DF3D SLC 12 20 replaced form SFIV DF 09 SLC 11 11.
• Revised the definition of “neutral evaluator” and the neutral evaluation condition.
Privacy Policy
• Form SFI FL DF3 DO PRI 12 20 replaced form SFI FL DF PRI 01 20.
Revised to advise consumers credit history will be collected and may impact the policy premium.
Limited Theft Endorsement
• Form SFI FL DF3D LT 12 20 replaced form DP 04 73 02 18.
• Added “drone” to property not covered.
Golf Cart Coverage Endorsement
• Form SFI FL DF3 DO GC 12 20 replaced form SFI FL DF3 DO GC 03 17
• The Coverage L limit of $50,000 will not be increased to meet the requirements of an umbrella policy.
If you have any questions regarding the changes in your policy or if you would like to make changes to your
policy, please contact your insurance agent. Your agent’s contact information and the policy’s renewal effective
date can be found on the first page of Your Policy Declarations, which is enclosed in this package.
We appreciate your business and look forward to serving you for years to come.
Security First Insurance
SFI FL DF3D SF NCC 12 20 © Security First Insurance Company Page 2 of 2
WATER DEDUCTIBLE ENDORSEMENT
(SFI FL DF3D WDE 12 20)
If your policy includes water damage coverage, at the time of loss, the water deductible shown on your policy
Declarations page may be applied to water damage losses depending on the cause of loss. We will pay only that
portion of the loss that exceeds the Water Deductible on the Declarations page for a covered loss caused by
water. If a loss caused by another covered peril, results in water damage, only the deductible applicable to the
peril which caused the loss would apply.
For example, if a loss caused by the peril of fire occurs and water damage results from the loss only the
deductible that is applicable to the peril of fire would be applied to the loss. Likewise, if a loss caused by water
occurs and a fire results from the water loss only the water deductible would apply to the loss.
SFI FL DF3D WDE 12 20 © Security First Insurance Company www.SecurityFirstFlorida.com
POLICYHOLDER NOTICE OF COVERAGE CHANGE
COMMUNICABLE DISEASE EXCLUSION
Thank you for trusting Security First Insurance to insure your home and for renewing your policy. We appreciate
your confidence in our company and look forward to serving your insurance needs. Your renewal policy includes
the new “Communicable Disease Exclusion”, which is included in this renewal package.
We’ve included the answers to a few commonly asked questions and we encourage you to review the new
Communicable Disease Exclusion form for complete details.
How has my policy’s coverage changed?
DEFINITIONS
• Added definition for “Communicable Disease”
SECTION I – PROPERTY COVERAGES or under SECTION II - LIABILITY COVERAGES
• This policy does not apply to claims made for “bodily injury” or “property damage” arising out of or in
connection with, the actual or alleged transmission of any “communicable disease”.
Do I have the option to remove this endorsement?
• This is a mandatory form that cannot be removed from the policy.
If you have any questions regarding this coverage change or if you would like to make any other changes to your
policy, please contact your insurance agent. Your agent’s contact information and the policy’s renewal effective
date can be found on the first page of Your Policy Declarations, which is enclosed in this package.
We appreciate your business and look forward to providing you with exceptional service for years to come.
Security First Insurance
SFI FL DF CDE NCC 04 21 © Security First Insurance Company Page 1 of 1
DWELLING FIRE LANDLORD POLICY
OUTLINE OF COVERAGE
The following outline of coverage is for informational purposes only. Florida law prohibits this outline from changing
any of the provisions of the insurance contract which is the subject of this outline. Any endorsement regarding
changes in types of coverage, exclusions, limitations, reductions, deductibles, coinsurance, renewal provisions,
cancellation provisions, surcharges, or credits will be sent separately. Coverage details pertaining to your policy
are provided in your policy package.
The coverage in a Dwelling Fire policy is generally not as broad as the coverage in a Homeowners policy but a
Dwelling Fire policy can be a viable alternative. Dwelling Fire policies can be tailored to fit your insurance needs.
The "à la carte" nature of the Dwelling Fire product gives you the opportunity to customize your policy.
POLICY COVERAGES
Please refer to your Policy Declarations and the endorsements included in your policy package for your policy’s
specific coverage details, including the limits applicable to each policy coverage and the deductibles that apply to
losses. Below is a brief description of the primary coverages, optional coverages and the available premium
discounts.
PRIMARY COVERAGES
COVERAGE A – DWELLING covers your dwelling at the property address shown on your Policy Declarations,
including attached structures, and wall-to-wall carpeting. Coverage A also includes coverage for the materials and
supplies located on or next to the dwelling used to construct, alter or repair your dwelling or other structures and
the building and outdoor equipment used for the service of your dwelling.
COVERAGE B – OTHER STRUCTURES covers other structures on the premises of your insured dwelling which
are set apart from the dwelling by clear space. Coverage B also includes coverage for structures connected to the
dwelling by only a fence, utility line or similar connection. Other structures used in whole or in part for commercial,
manufacturing or farming purposes are not covered. Some other structures, such as fences, are excluded for loss
caused by a hurricane.
COVERAGE D – FAIR RENTAL VALUE covers 80% of the fair rental value of that part of the dwelling that is
rented to others or held for rental by you less any expenses that do not continue while it is unfit for its normal use
due to a loss caused by a covered peril. The time period for this coverage is limited. Please refer to the Fair Rental
Value section of your policy for complete details.
COVERAGE E – ADDITIONAL LIVING EXPENSE covers increased living expenses you incur during a time when
your dwelling is uninhabitable due to a covered loss so that your household can maintain its normal standard of
living. The time period for this coverage is limited. Please refer to the Additional Living Expense section of your policy
for complete details.
OPTIONAL COVERAGES
Optional Coverages require the payment of an additional premium.
COVERAGE C – PERSONAL PROPERTY covers your personal property, such as clothing and household
furniture. Special limits of liability apply to many classes of property such as jewelry, electronics, tools and guns.
You should review the Special Limits of Liability section in your policy for complete details and contact your agent
if additional coverage is desired. Other personal property items such as motorized vehicles, satellite dishes and
antennas are excluded. You should review the Personal Property Not Covered section for complete details.
COVERAGE L – PERSONAL LIABILITY covers bodily injury and property damage sustained by others for
which an insured is legally liable. Coverage L also provides coverage for legal costs to defend you if suit is
brought against you. Coverage L does not cover liability losses caused by any animals you own or keep.
Further, Coverage L does not cover liability related to business activities.
SFI FL DF3 DL OTL 04 21 © Security First Insurance Company Page 1 of 3
COVERAGE M – MEDICAL PAYMENTS TO OTHERS covers the medical expenses of others injured at your
residence or resulting from your personal activities. This coverage must be purchased
EQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT provides coverage for electrical
breakdown, mechanical breakdown, and pressure system breakdown up to $100,000 per loss with a
deductible of $500.
EQUIPMENT BREAKDOWN AND SERVICE LINE ENHANCEMENT ENDORSEMENT provides coverage
for electrical breakdown, mechanical breakdown, pressure system breakdown and physical damage to the
covered service line that is a direct result of service line failure. The limit of liability for equipment breakdown
is up to $100,000 per loss with a deductible of $500. The limit of liability for service line is $10,000 per loss
with a deductible of $500.
FLOOD COVERAGE provides coverage for damages to your insured property caused by the peril of flood.
IDENTITY THEFT OR IDENTITY FRAUD EXPENSES COVERAGE covers expenses incurred by an insured
due to identity theft or identity fraud and provides assistance with restoring credit after a breach.
LIMITED FUNGI, MOLD, WET ROT, DRY ROT OR BACTERIA COVERAGE – INCREASED LIMITS allows
the basic $10,000 limit to be increased to $25,000 or $50,000.
LIMITED SCREENED ENCLOSURE AND CARPORT COVERAGE provides coverage for loss caused by a
hurricane to aluminum framed screened enclosures and carports permanently attached to the dwelling.
LIMITED THEFT COVERAGE provides coverage for theft of personal property from the insured premises.
LIMITED WATER DAMAGE COVERAGE provides a $10,000 water damage coverage limit.
OPTIONAL SINKHOLE LOSS COVERAGE covers losses caused by the settling or systematic weakening of
the ground over time. This coverage is available with an approved inspection. Your base policy covers
Catastrophic Ground Cover Collapse meaning an abrupt collapse of the ground.
ORDINANCE OR LAW COVERAGE provides coverage for costs associated with the enforcement of any
ordinance or law regulating construction, repair, or demolition of a dwelling or other structure insured by
the policy.
ROOF SURFACES PAYMENT SCHEDULE ENDORSEMENT revises the loss settlement condition in
the Dwelling Property Special Policy Form with respect to a covered loss for roof surfaces caused by the
peril of windstorm or hail based on a payment schedule.
PREMIUM CREDITS / DISCOUNTS
DEDUCTIBLE CREDITS Policy premium may be reduced by selecting higher deductible options.
PROTECTIVE DEVICES If your dwelling has a qualified central station burglar alarm, central station fire
alarm or automatic fire sprinkler system in every room, you may be eligible for premium credits.
SECURED COMMUNITY CREDIT If you live in a community that has a single entry, is protected by a 24-
hour security patrol, has 24-hour manned gates protecting all entrances or passkey gates protecting all
entrances into the community you may be eligible for a premium credit.
WINDSTORM LOSS MITIGATION CREDITS Premium credit may be available for dwellings equipped with
qualifying roof covering, roof deck attachment, roof to wall connection, certain soffit and siding types, and
opening protection.
PERILS INSURED AGAINST
Coverages A – Dwelling and B – Other Structures cover risk of physical loss unless specifically excluded in the
policy.
EXCLUSIONS
The SFI FL DF3D Dwelling Fire Landlord policy excludes certain losses, such as loss from earth movement;
damage due to flood; neglect; war and nuclear hazards; power failure off your premises; and criminal activity.
We recommend that you purchase flood insurance. Please contact your agent if you have not purchased this
valuable coverage.
SFI FL DF3 DL OTL 04 21 © Security First Insurance Company Page 2 of 3
RENEWAL AND CANCELLATION PROVISIONS
RENEWAL If we offer you a renewal policy, you will receive an Offer of Renewal at least 45 days before your
current policy expires. To renew your policy, the premium must be paid on or before the date your current policy
expires.
CANCELLATION You may cancel your policy at any time for any reason. We may elect to cancel this policy
by advising you in writing of the date the cancellation will take effect as well as the reason for cancellation.
Cancellation of your policy may result in a return premium on a pro-rata basis equal to the unearned portion of
the premium.
NON-RENEWAL If we do not intend to renew your policy, we will mail written notice to you at least 120 days
before the expiration date of the policy.
SFI FL DF3 DL OTL 04 21 © Security First Insurance Company Page 3 of 3
DWELLING PROPERTY 3 SPECIAL FORM
(SFI FL DF3D)
TABLE OF CONTENTS
AGREEMENT .................................................................................................................................1
DEFINITIONS ................................................................................................................................. 1
COVERAGES
COVERAGE A – DWELLING................................................................................................................. 2
COVERAGE B – OTHER STRUCTURES ...............................................................................................2
COVERAGE C – PERSONAL PROPERTY ........................................................................................... 3
COVERAGE D – FAIR RENTAL VALUE ................................................................................................ 4
COVERAGE E – ADDITIONAL LIVING EXPENSE ................................................................................ 4
OTHER COVERAGES........................................................................................................................... 4
PERILS INSURED AGAINST..................................................................................................................7
GENERAL EXCLUSIONS .....................................................................................................................11
CONDITIONS ....................................................................................................................................... 13
Your policy is valid only if our agent countersigns it on the Declarations Page. Your policy is executed by
Security First Insurance Company’s Chief Executive Officer, W. Lockwood (Locke) Burt.
W. Lockwood Burt
Chairman and Chief Executive Officer
SFI FL DF3D COV 12 20 © Security First Insurance Company www.SecurityFirstFlorida.com
Checklist of Coverage
Policy Type: Dwelling
(Indicate: Homeowner's, Condominium Unit Owner's, Tenant's, Dwelling, or Mobile Home Owner's)
The following checklist is for informational purposes only. Florida law prohibits this checklist from changing any
of the provisions of the insurance contract which is the subject of this checklist. Any endorsement regarding changes in
types of coverage, exclusions, limitations, reductions, deductibles, coinsurance, renewal provisions, cancellation
provisions, surcharges, or credits will be sent separately.
Reviewing this checklist together with your policy can help you gain a better understanding of your policy's actual
coverages and limitations, and may even generate questions. By addressing any questions now, you will be more
prepared later in the event of a claim. Experience has shown that many questions tend to arise regarding the coverage
of attached or detached screened pool enclosures, screened porches, and other types of enclosures. Likewise, if your
policy insures a condominium unit, questions may arise regarding the coverage of certain items, such as individual
heating and air conditioning units; individual water heaters; floor, wall, and ceiling coverings; built-in cabinets and
counter tops; appliances; window treatments and hardware; and electrical fixtures. A clear understanding of your
policy's coverages and limitations will reduce confusion that may arise during claims settlement.
Please refer to the policy for details and any exceptions to the coverages listed in this checklist. All coverages are
subject to the provisions and conditions of the policy and any endorsements. If you have questions regarding your
policy, please contact your agent or company. Consumer assistance is available from the Department of Financial
Services, Division of Consumer Services' Helpline at (800) 342-2762 or www.fldfs.com.
This form was adopted by the Florida Financial Services Commission.
Dwelling Structure Coverage (Place of Residence)
Limit of Insurance: $ $225,000 Loss Settlement Basis: Replacement Cost
(i.e.: Replacement Cost, Actual Cash Value, Stated Value, etc).
Other Structures Coverage (Detached from Dwelling)
Limit of Insurance: $ $4,500 Loss Settlement Basis: Replacement Cost
(i.e.: Replacement Cost, Actual Cash Value, Stated Value, etc).
Personal Property Coverage
Limit of Insurance: $ $3,000 Loss Settlement Basis: Actual Cash Value
(i.e.: Replacement Cost, Actual Cash Value, Stated Value, etc).
Deductibles
Annual Hurricane: $4,500 All Perils (Other Than Hurricane): $1,000
OIR-B1-1670 (1-1-06) 1 of 3
Checklist of Coverage (continued)
The above Limit of Insurance, Deductibles, and Loss Settlement Basis apply to the following perils insured
against: (Items below marked Y (Yes) indicate coverage IS included, those marked N (No) indicate
coverage is NOT included)
Y Fire or Lightning
Y Hurricane
N Flood (Including storm surge)
Y Windstorm or Hail (other than hurricane)
Y Explosion
Y Riot or Civil Commotion
Y Aircraft
Y Vehicles
Y Smoke
Y Vandalism or Malicious Mischief
N Theft
Y Falling Objects
Y Weight of Ice, Snow or Sleet
Y Accidental Discharge or Overflow of Water or Steam
Y Sudden and Accidental Tearing Apart, Cracking , Burning or Bulging
Y Freezing
Y Sudden and Accidental Damage from Artificially Generated Electrical Current
Y Volcanic Eruption
N Sinkhole
Y Any Other Peril Not Specifically Excluded (dwelling and other structures only)
Special limits and loss settlement exceptions may apply to certain items. Refer to your policy for
details.
Loss of Use Coverage
Coverage Limit of Insurance Time Limit
(Items below marked Y (Yes) indicate coverage IS included, those marked N (No) indicate coverage is NOT included)
N Additional Living Expense
Shortest time required to
Y Fair Rental Value $22,500
repair/replace/relocate
Y Civil Authority Prohibits Use $22,500 2 weeks maximum
Property - Additional/Other Coverages
(Items below marked Y (Yes) indicate coverage IS Limit of Insurance Amount of insurance is an additional amount of
included, those marked N (No) indicate coverage is Up to $225,000 coverage or is included within the policy limit.
Unless otherwise Included Additional
NOT included)
Noted
Y Debris Removal Included
Y Reasonable Repairs Included
Y Property Removed $300 Included
Credit Card, Electronic Fund Transfer Card, or
N Access Device, Forgery and Counterfeit Money
Y Loss Assessment $1,000 Additional
Y Collapse Included
Y Glass or Safety Glazing Material Included
N Landlord's Furnishings
Y Law and Ordinance $56,250 Additional
N Grave Markers
Y Mold / Fungi $10,000 Included
OIR-B1-1670 (1-1-06) 2 of 3
Checklist of Coverage (continued)
Discounts
Dollar ($) Amount of Discount
(Items below marked Y (Yes) indicate discount IS applied, those
marked N (No) indicate discount is NOT applied)
N Multiple Policy
Y Fire Alarm / Smoke Alarm / Burglar Alarm Included in Base Premium
N Sprinkler
N Windstorm Loss Reduction
N Building Code Effectiveness Grading Schedule
N Other
Insurer May Insert Any Other Property Coverage Below
Limit of Insurance Loss Settlement Basis:
(Items below marked Y (Yes) indicate coverage IS (i.e.: Replacement Cost, Actual Cash Value,
included, those marked N (No) indicate coverage is Stated Value, etc.)
NOT included)
Premises Liabil
Preview
Filing # 185446869 E-Filed 11/03/2023 03:12:07 PM IN THE CIRCUIT COURT OF THE NINTH JUDICIAL CIRCUIT, IN AND FOR OSCEOLA COUNTY, FLORIDA DAVID L. BUSH AND DEBRA L. CASE NO. 2023 CA 004530 CI BUSH, Plaintiffs, vs. SECURITY FIRST INSURANCE COMPANY, Defendant. DEFENDANT'S REQUEST FOR ADMISSIONS TO PLAINTIFFS COMES NOW, the Defendant, SECURITY FIRST INSURANCE COMPANY, by and through the undersigned attorney and pursuant to the Florida Rule of Civil Procedure 1.370, hereby files this, their Requests for Admissions to Plaintiffs and states as follows: 1. Admit that DAVID L. BUSH AND DEBRA L. BUSH are the current owners of the subject property located at 1101 Georgia Ave, St. Cloud, FL 34769. 2. Admit that the date of loss is September 29, 2022. 3. Admit that the property at issue in this lawsuit was insured by the Defendant, Security First by a Policy bearing the Policy # P000030365 during the applicable policy period of February 19, 2022, through February 19, 2023, a true and correct copy of which is attached hereto as Exhibit “A” (hereinafter the Policy). CASE NO.: 2023 CA 004530 CI 4. Admit that the subject property located at 1101 Georgia Ave, St. Cloud, FL 34769. 5. Admit that the alleged loss was reported to the Defendant on March 17, 2023. 6. Admit that the policy contains the following provisions: 2. Your Duties After Loss In case of a loss to covered property, you must see that the following are done: a. Give prompt notice to us or our agent 7. Admit that by waiting until March 17, 2023, to report the claim that prompt notice was not given to the Defendant. 8. Admit that the Defendant properly investigated the claim. [CERTIFICATE OF SERVICE ON FOLLOWING PAGE] 2 CASE NO.: 2023 CA 004530 CI CERTIFICATE OF SERVICE The document contains no confidential or sensitive information or that any such confidential or sensitive language has been properly protected by complying with the provisions of Rules 2.420 and 2.425. I HEREBY CERTIFY that a true and correct copy of the foregoing has been furnished by Electronic Filing to Attorney for Plaintiff, Melissa Lebron, Esquire, using the Florida Courts e- Filing Portal, which will send an automatic e-mail message to the listed parties registered with the e-Filing Portal system on the 3rd day of November, 2023. Attorneys for Plaintiff Melissa Lebron, Esq. Florida Bar No.: 1028748 Kanner & Pintaluga, P.A. 1000 Legion PL Suite 100 Orlando, FL 32801 Telephone: (561) 424-0032 mlebron@kpattorney.com psouza@kpattorney.com firstpartyeservice@kpattorney.com By: /s/ Andrew Barthelemy Andrew Barthelemy, Esquire 1001 Broadway Avenue Ormond Beach, Florida 32174 Telephone: 386-236-1640 Florida Bar No.: 1010181 Primary Email: Andrew.Barthelemy@secuirtyfirstflorida.com Secondary Email: Rachel.Dolezal@securityfirstflorida.com Alternate Email: Tori.Shultz@securityfirstflorida.com Attorney for Defendant SECURITY FIRST INSURANCE COMPANY 3 Exhibit “A” POLICY PROCESSING CENTER: P.O. BOX 105649 ATLANTA, GA 30348-5649 10/10/2023 SECURITY FIRST MANAGERS LLC CLAIM NUMBER: 246334 1001 Broadway Ave POLICY NUMBER: P000030365 Attn: Accounting PRIMARY NAMED INSURED: Ormond Beach, FL 32174-2905 DAVID BUSH PROPERTY ADDRESS: 1101 GEORGIA AVE ST. CLOUD, FL 34769-3566 SFI FL CLM 09 21 © Security First Insurance Company www.SecurityFirstFlorida.com Security First Insurance Company State of Florida County of Volusia Claim# 246334 Policy# P000030365 Term: 02/19/2022 - 02/19/2023 I do hereby certify that the following document(s) are true and correct as of 09/29/2022 and have not been amended from their original form, except for conversion to electronic format where applicable. Policy Declarations Policy Type: Dwelling Fire Dwelling Landlord DF3 DL Policy Number: P000030365 Policy Effective Date: 02/19/2022 12:01 AM Security First Insurance Company Policy Expiration Date: 02/19/2023 12:01 AM P.O. BOX 105651 Date Printed: 12/31/2021 ATLANTA, GA 30348-5651 Agent Contact Information Premium Information MICHAEL A. LAPELLA Total Premium Amount: $2,716.70 MICHAEL ALEXANDER LAPELLA 1340 TUSKAWILLA RD STE 109 WINTER SPRINGS, FL 32708-5030 Hurricane Premium: $1,237.00 Non-Hurricane Premium: $1,434.00 Email: A056361@allstate.com Total Policy Premium before Fees: $2,671.00 Phone: (407) 695-1600 Total Policy Fees: $45.70 See additional premium detail on page 2 Agency ID: X03127 Agent License #: A149628 Named Insured(s) Named Insured: DAVID BUSH Mailing Address: 3160 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740 Email Address: debbush_3@hotmail.com Phone: (716) 485-3570 Named Insured: DEBRA L BUSH Mailing Address: 3160 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740 Email Address: DEBBUSH_3@HOTMAIL.COM Coverage Information COVERAGE IS PROVIDED WHERE A PREMIUM OR LIMIT OF LIABILITY IS SHOWN FOR THE COVERAGE Insured Property Location 1101 GEORGIA AVE, ST. CLOUD, FL 34769-3566 County: OSCEOLA Property Coverages Limit Premium Coverage A (Dwelling) $225,000 $2,291.00 Coverage B (Other Structures) $4,500 Included Coverage C (Personal Property) $3,000 $139.00 Coverage D & E (Fair Rental Value & Additional Living Expense) $22,500 Included Liability Coverages Coverage L (Premises Liability) $300,000 $80.00 Coverage M (Medical Payments to Others) $5,000 Included Amount All Other Perils Deductible $1,000 Hurricane Deductible $4,500 (2% of Cov A) Water Deductible $1,000 SFI FL DF3 DL DEC 09 21 © Security First Insurance Company Page 1 of 5 Additional Coverages Endorsement Name Premium Water Damage Coverage: Standard Included Roof Loss Settlement: Actual Cash Value Included Loss Assessment Coverage Included Limited Fungi Coverage Included Limited Fungi Coverage Liability Included Ordinance or Law Coverage $136.00 Water Back Up and Sump Overflow Included Additional Coverages Limits Endorsement Name Limit Limited Fungi Coverage $10,000 per loss/$10,000 policy total Limited Fungi Coverage Liability $50,000 per loss/$50,000 policy total Ordinance or Law Coverage $56,250 Loss Assessment Coverage $1,000 Water Back Up and Sump Overflow $5,000 Premium Detail Amount Hurricane Premium: $1,237.00 Non-Hurricane Premium: $1,434.00 Policy Fee Details Managing General Agency Fee $25.00 Emergency Management Preparedness and Assistance Trust Fund Fee $2.00 Florida Insurance Guaranty Association 2022 Regular Assessment Recoupment Fee $18.70 Policy Fee Total: $45.70 Total Premium Amount: $2,716.70 Property Information Construction Type: Masonry 100% Protection Class: 02 Year Built: 1993 Territory: 5 / 097-B / 999 Usage Type: Rental Only Building Code Effectiveness Grade: 99 Distance to Coast: 185,297.00 Opening Protection: None Roof Shape: Gable Year Roof Built/Last Replaced: 2006 Exclude Wind/Hail Coverage: No Predominant Roof Material: Shingles: Asphalt or Composition Credits and Surcharges Credits Surcharges All Other Perils Deductible Credit Hurricane Deductible Credit Protection Class Credit Burglar Alarm Credit Fire Alarm Credit SFI FL DF3 DL DEC 09 21 © Security First Insurance Company Page 2 of 5 Policy Forms & Endorsements OIR-B1-1670 01 06 Checklist of Coverage SFI FL DF CDE 05 20 Communicable Disease Exclusion SFI FL DF3 RSE 04 21 Roof Surfaces Payment Schedule Endorsement SFI FL DF AI 01 20 Additional Interests Described Location SFI FL DF3 DL DN 12 20 Deductible Notification Form SFI FL DF3 DL PRL 12 20 Premises Liability SFI FL DF PRI 01 20 Privacy Policy SFI FL DF3D COV 12 20 Dwelling Property 3 Special Form (SFI FL DF3D) Table of Contents SFI FL DF CDE NCC 04 21 Policyholder Notice of Coverage Change - Communicable Disease Exclusion SFI FL DF3D WDE 12 20 Water Deductible Endorsement SFI FL DF AFP 01 20 Premises Alarm or Fire Protection System SFI FL DF PL 01 20 Personal Liability SFI FL DF3 OL 12 20 Ordinance or Law Coverage SFI FL DF3D 12 20 Dwelling Property 3 Special Form SFI FL DF3D SF NCC 12 20 Policyholder Notice of Coverage Changes DF3D Special Form and Applicable Endorsements SFI FL DF3D SP NCC 06 21 Policyholder Notice of Coverage Changes Special Provisions - Florida and Applicable Endorsements DP 04 63 07 88 Loss Assessment Coverage SFI FL DF3 DL OTL 04 21 Dwelling Fire Landlord Policy Outline of Coverage SFI FL DF3 SP 07 21 Special Provisions - Florida OIR-B1-1655 02 10 Notice of Premium Discounts for Hurricane Loss Mitigation SFI FL DF HD 06 20 Hurricane Deductible Endorsement SFI FL DF3 RSE NCC 04 21 Policyholder Notice of Coverage Change Roof Loss Settlement Additional Interests/Insureds/Mortgagees Type: Mortgagee - First Mortgagee Loan #: 9719389745 Name: Caliber Home Loans Inc ISAOA-ATIMA Address: PO BOX 7731 City: SPRINGFIELD, State: OH Zip: 45501-7731 SFI FL DF3 DL DEC 09 21 © Security First Insurance Company Page 3 of 5 Notices THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR HURRICANE LOSSES, WHICH MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU. FLOOD INSURANCE: YOU MAY ALSO NEED TO CONSIDER THE PURCHASE OF FLOOD INSURANCE. YOUR DWELLING INSURANCE POLICY DOES NOT INCLUDE COVERAGE FOR DAMAGE RESULTING FROM FLOOD EVEN IF HURRICANE WINDS AND RAIN CAUSED THE FLOOD TO OCCUR. WITHOUT SEPARATE FLOOD INSURANCE COVERAGE, YOU MAY HAVE UNCOVERED LOSSES CAUSED BY FLOOD. PLEASE DISCUSS THE NEED TO PURCHASE SEPARATE FLOOD INSURANCE COVERAGE WITH YOUR INSURANCE AGENT. YOUR POLICY PROVIDES COVERAGE FOR A CATASTROPHIC GROUND COVER COLLAPSE THAT RESULTS IN THE PROPERTY BEING CONDEMNED AND UNINHABITABLE. OTHERWISE, YOUR POLICY DOES NOT PROVIDE COVERAGE FOR SINKHOLE LOSSES. YOU MAY PURCHASE ADDITIONAL COVERAGE FOR SINKHOLE LOSSES FOR AN ADDITIONAL PREMIUM. You may reduce your policy premium by taking advantage of premium credits for shutters, housing features and other mitigation (loss prevention) devices. Contact your insurance agent to request information regarding these discounts. This policy does not protect you against loss caused by the peril of flood. If you are interested in obtaining more information on flood insurance coverage, please contact your property-casualty insurance agent or broker to apply for coverage. This policy contains a separate deductible for hurricane losses, water losses and a separate deductible for all other perils, insured against. The deductibles shown in your policy declaration page(s) are the deductibles that will apply as described in your policy, in the event of a covered loss. If your policy was assumed from another carrier, we may have selected the deductibles shown on your declaration page(s). Other deductibles may be available. Please contact your insurance agent or broker for additional information. SFI FL DF3 DL DEC 09 21 © Security First Insurance Company Page 4 of 5 Property coverage limit increased due to an inflation factor applied to your policy. Your Building Code Effectiveness Grading schedule adjustment is 0% for the hurricane portion and 0% for the non-hurricane portion of the premium. The adjustments can range from a surcharge of 1% to a discount of 12% for the hurricane premium, and from a surcharge of 1% to a discount of 3% for the non-hurricane premium. {*}Premium change due to rate increase/decrease:{*} {*}Premium change due to coverage change:{*} $956.00 Authorized Countersignature: Customer Service: · (877) 333-9992 Report a Claim 24/7: · Call toll-free (877) 581-4862. International callers, dial (386) 673-5308. · Log into the customer portal, My Security First, at www.MySFI.com. · To report an identity theft claim, call (800) 676-5696. SFI FL DF3 DL DEC 09 21 © Security First Insurance Company Page 5 of 5 POLICYHOLDER NOTICE OF COVERAGE CHANGES DF3 SPECIAL PROVISIONS AND APPLICABLE ENDORSEMENTS Thank you for trusting Security First Insurance to insure your home and for renewing your policy. We appreciate your confidence in our company and look forward to serving your insurance needs. Please take a moment to carefully review the enclosed renewal policy package. The coverage changes summarized below can be found in the document titled “SPECIAL PROVISIONS – FLORIDA ”. Please review the policy form for complete details. DEFINITIONS • Added definitions for “Assignee”, “Assignment agreement”, “Assignor”, “Electronic transmittal” and “Motor Vehicle” . COVERAGE C PERSONAL PROPERTY • Property Not Covered Revised: Money o Virtual Currency has been added Added: “Personal Property valued over $500 without proof of ownership for theft or vandalism” o Property not covered now includes items of personal property owned or used by an “insured” that are valued above $500 and are not supported by documents establishing proof of ownership as a result of theft or vandalism. PERILS INSURED AGAINST • Revised: Coverage A – Dwelling and Coverage B – Other Structures o 2.i.(3) has been revised. 2.j.(9) has been removed. • Revised: Coverage C – Personal Property o 12.(d) has been revised. GENERAL EXCLUSIONS • Revised: Intentional Loss, Constant or Repeated Seepage or Leakage • Added: Pressure from or presence of tree, shrub or plant roots, “Assignment agreement” CONDITIONS • Revised 3. Concealment or Fraud and 4. Your Duties After Loss including an addition of Duties of an “Assignee”. • Revisions of 8. Meditation, 811 Suit Against Us, 12. Our Option, 13. Loss Payment, 17. Cancellation, 18. Non-Renewal and 21. Assignment. If your policy includes any of the following endorsement forms the name of the endorsement form will be displayed in the Policy Forms and Endorsements section of your policy Declarations page. The following endorsement forms have been revised as outlined below. Please review the endorsement form for complete details. Water Damage Exclusion • SFI FL DF3D WD 05 21 replaces SFI FL DF3D WD 12 20 • Updated to track with new Special Provisions endorsement SFI FL DF3D SP NCC 06 21 © Security First Insurance Company Page 1 of 2 Limited Water Damage Coverage Endorsement • SFI FL DF3D LWD 05 21 replaces SFI FL DF3D LWD 12 20 • Added the maximum we will pay for more than one occurrence during any annual policy period is $20,000. • $10,000 per loss limit now applies to both 2.i. and 2.j. Dog Liability Endorsement • SFI FL DF3 DO DL 03 21 replaces SFI FL DF3 DO DL 06 19 • Revised to clarify that animals other than the acceptable breeds of dogs would still be excluded from Coverage L when the Dog Liability Endorsement is added. If you have any questions regarding the changes in your policy or if you would like to make changes to your policy, please contact your insurance agent. Your agent’s contact information and the policy’s renewal effective date can be found on the first page of Your Policy Declarations, which is enclosed in this package. We appreciate your business and look forward to serving you for years to come. Security First Insurance SFI FL DF3D SP NCC 06 21 © Security First Insurance Company Page 2 of 2 POLICYHOLDER NOTICE OF COVERAGE CHANGES DF3D SPECIAL FORM AND APPLICABLE ENDORSEMENTS Thank you for trusting Security First Insurance to insure your home and for renewing your policy. We appreciate your confidence in our company and look forward to serving your insurance needs. Please take a moment to carefully review the enclosed renewal policy package. The coverage changes summarized below can be found in the document titled “DWELLING PROPERTY 3 SPECIAL FORM”. Please review the policy form for complete details. The DF3D Dwelling Property Special Form has been revised to incorporate the following endorsements: • Special Provisions for Florida • Existing Damage Exclusion Endorsement In addition to incorporating the mandatory endorsements into the DF3D Dwelling Property Special Form Security First has made the following revisions: AGREEMENT Revised to read as shown below: In reliance on the information you have given us, we agree to provide the insurance coverages indicated in the Policy Declarations. In return, you must pay the premium when due, comply with the policy terms and conditions, and inform us within 60 days of any change of ownership, title, use or occupancy of the described location. DEFINITIONS • Added definitions for “Aircraft” and “Drone”. COVERAGE C PERSONAL PROPERTY • Property Not Covered Revised: “Aircraft” and parts Added: “Drones” o Clarified model or hobby “aircraft” not used or designed to carry people or cargo are covered; “drones” are not covered. OTHER COVERAGES Revised: Reasonable Emergency Measures Clarified the cost of testing of air or property to confirm the absence, presence or level of fungi, mold, wet rot or dry rot, or bacteria is not considered a Reasonable Emergency Measure. • Added: Water Back Up and Sump Overflow o Policies that have standard or limited water damage coverage now have a $5,000 limit to cover water back up and sump overflow losses. PERILS INSURED AGAINST • Revised: Coverage A – Dwelling and Coverage B – Other Structures o In addition to other revisions made in this section, Security First Insurance clarified that it is not our intent to cover losses caused by: birds, vermin, rodents, marsupials, animals, reptiles, fish, inspects, or pests including but not limited to termites, snails, squirrels, racoons, opossums, armadillos, flies, bed bugs, lice, ticks, locusts, cock roaches, ants, bats, bees, wasps and fleas. • Revised: Coverage C – Personal Property o 12. Accidental Discharge GENERAL EXCLUSIONS • Revised: Water Damage, Neglect, Intentional Loss and Existing Damage SFI FL DF3D SF NCC 12 20 © Security First Insurance Company Page 1 of 2 • Added: Constant or Repeated Seepage or Leakage and Accidental Discharge or Overflow of Water or Steam SECTION I and II – CONDITIONS • Added: Change in Occupancy or Usage of Described Location If your policy includes any of the following endorsement forms the name of the endorsement form will be displayed in the Policy Forms and Endorsements section of your policy Declarations page. The following endorsement forms have been revised as outlined below. Please review the endorsement form for complete details. Flood Coverage Endorsement replaced Optional Flood and Water Back Up Coverage • Form SFI FL DF3D FD 12 20 replaced forms SFI FL DF3 DL FD 07 17 and SFI FL DF3 DO FD 07 17. • Water Back Up Coverage is now included in the Dwelling Property 3 Special Form. Water Damage Exclusion • Form SFI FL DF3D WD 12 20 replaced form SFI FL DF3 WD 06 19. • Broadened the definition of Water Damage. • Added Water Back Up Coverage to the exclusion, as the coverage will be excluded when Water Damage is excluded. Limited Water Damage Coverage replaced Limited Water Damage Coverage and Water Damage Coverage Exclusion • Form SFI FL DF3D LWD 12 20 replaced form SFI FL DF3 LWD 06 19. • The coverage limit of $10,000 per occurrence is the combined total that applies to all covered property under Coverage A, B and C. The limit also applies to Reasonable Emergency Measures under Section I Property Coverage occurring in the same loss. Equipment Breakdown and Service Line Enhancement • Form SFI FL DF3D EBSL 12 20 replaced form SFI FL DF3 EBSL 05 19. • Updated the earth movement exclusion to coordinate with the new DF3 Special Form. Optional Sinkhole Loss Coverage • Form SFI FL DF3D SLC 12 20 replaced form SFIV DF 09 SLC 11 11. • Revised the definition of “neutral evaluator” and the neutral evaluation condition. Privacy Policy • Form SFI FL DF3 DO PRI 12 20 replaced form SFI FL DF PRI 01 20. Revised to advise consumers credit history will be collected and may impact the policy premium. Limited Theft Endorsement • Form SFI FL DF3D LT 12 20 replaced form DP 04 73 02 18. • Added “drone” to property not covered. Golf Cart Coverage Endorsement • Form SFI FL DF3 DO GC 12 20 replaced form SFI FL DF3 DO GC 03 17 • The Coverage L limit of $50,000 will not be increased to meet the requirements of an umbrella policy. If you have any questions regarding the changes in your policy or if you would like to make changes to your policy, please contact your insurance agent. Your agent’s contact information and the policy’s renewal effective date can be found on the first page of Your Policy Declarations, which is enclosed in this package. We appreciate your business and look forward to serving you for years to come. Security First Insurance SFI FL DF3D SF NCC 12 20 © Security First Insurance Company Page 2 of 2 WATER DEDUCTIBLE ENDORSEMENT (SFI FL DF3D WDE 12 20) If your policy includes water damage coverage, at the time of loss, the water deductible shown on your policy Declarations page may be applied to water damage losses depending on the cause of loss. We will pay only that portion of the loss that exceeds the Water Deductible on the Declarations page for a covered loss caused by water. If a loss caused by another covered peril, results in water damage, only the deductible applicable to the peril which caused the loss would apply. For example, if a loss caused by the peril of fire occurs and water damage results from the loss only the deductible that is applicable to the peril of fire would be applied to the loss. Likewise, if a loss caused by water occurs and a fire results from the water loss only the water deductible would apply to the loss. SFI FL DF3D WDE 12 20 © Security First Insurance Company www.SecurityFirstFlorida.com POLICYHOLDER NOTICE OF COVERAGE CHANGE COMMUNICABLE DISEASE EXCLUSION Thank you for trusting Security First Insurance to insure your home and for renewing your policy. We appreciate your confidence in our company and look forward to serving your insurance needs. Your renewal policy includes the new “Communicable Disease Exclusion”, which is included in this renewal package. We’ve included the answers to a few commonly asked questions and we encourage you to review the new Communicable Disease Exclusion form for complete details. How has my policy’s coverage changed? DEFINITIONS • Added definition for “Communicable Disease” SECTION I – PROPERTY COVERAGES or under SECTION II - LIABILITY COVERAGES • This policy does not apply to claims made for “bodily injury” or “property damage” arising out of or in connection with, the actual or alleged transmission of any “communicable disease”. Do I have the option to remove this endorsement? • This is a mandatory form that cannot be removed from the policy. If you have any questions regarding this coverage change or if you would like to make any other changes to your policy, please contact your insurance agent. Your agent’s contact information and the policy’s renewal effective date can be found on the first page of Your Policy Declarations, which is enclosed in this package. We appreciate your business and look forward to providing you with exceptional service for years to come. Security First Insurance SFI FL DF CDE NCC 04 21 © Security First Insurance Company Page 1 of 1 DWELLING FIRE LANDLORD POLICY OUTLINE OF COVERAGE The following outline of coverage is for informational purposes only. Florida law prohibits this outline from changing any of the provisions of the insurance contract which is the subject of this outline. Any endorsement regarding changes in types of coverage, exclusions, limitations, reductions, deductibles, coinsurance, renewal provisions, cancellation provisions, surcharges, or credits will be sent separately. Coverage details pertaining to your policy are provided in your policy package. The coverage in a Dwelling Fire policy is generally not as broad as the coverage in a Homeowners policy but a Dwelling Fire policy can be a viable alternative. Dwelling Fire policies can be tailored to fit your insurance needs. The "à la carte" nature of the Dwelling Fire product gives you the opportunity to customize your policy. POLICY COVERAGES Please refer to your Policy Declarations and the endorsements included in your policy package for your policy’s specific coverage details, including the limits applicable to each policy coverage and the deductibles that apply to losses. Below is a brief description of the primary coverages, optional coverages and the available premium discounts. PRIMARY COVERAGES COVERAGE A – DWELLING covers your dwelling at the property address shown on your Policy Declarations, including attached structures, and wall-to-wall carpeting. Coverage A also includes coverage for the materials and supplies located on or next to the dwelling used to construct, alter or repair your dwelling or other structures and the building and outdoor equipment used for the service of your dwelling. COVERAGE B – OTHER STRUCTURES covers other structures on the premises of your insured dwelling which are set apart from the dwelling by clear space. Coverage B also includes coverage for structures connected to the dwelling by only a fence, utility line or similar connection. Other structures used in whole or in part for commercial, manufacturing or farming purposes are not covered. Some other structures, such as fences, are excluded for loss caused by a hurricane. COVERAGE D – FAIR RENTAL VALUE covers 80% of the fair rental value of that part of the dwelling that is rented to others or held for rental by you less any expenses that do not continue while it is unfit for its normal use due to a loss caused by a covered peril. The time period for this coverage is limited. Please refer to the Fair Rental Value section of your policy for complete details. COVERAGE E – ADDITIONAL LIVING EXPENSE covers increased living expenses you incur during a time when your dwelling is uninhabitable due to a covered loss so that your household can maintain its normal standard of living. The time period for this coverage is limited. Please refer to the Additional Living Expense section of your policy for complete details. OPTIONAL COVERAGES Optional Coverages require the payment of an additional premium. COVERAGE C – PERSONAL PROPERTY covers your personal property, such as clothing and household furniture. Special limits of liability apply to many classes of property such as jewelry, electronics, tools and guns. You should review the Special Limits of Liability section in your policy for complete details and contact your agent if additional coverage is desired. Other personal property items such as motorized vehicles, satellite dishes and antennas are excluded. You should review the Personal Property Not Covered section for complete details. COVERAGE L – PERSONAL LIABILITY covers bodily injury and property damage sustained by others for which an insured is legally liable. Coverage L also provides coverage for legal costs to defend you if suit is brought against you. Coverage L does not cover liability losses caused by any animals you own or keep. Further, Coverage L does not cover liability related to business activities. SFI FL DF3 DL OTL 04 21 © Security First Insurance Company Page 1 of 3 COVERAGE M – MEDICAL PAYMENTS TO OTHERS covers the medical expenses of others injured at your residence or resulting from your personal activities. This coverage must be purchased EQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT provides coverage for electrical breakdown, mechanical breakdown, and pressure system breakdown up to $100,000 per loss with a deductible of $500. EQUIPMENT BREAKDOWN AND SERVICE LINE ENHANCEMENT ENDORSEMENT provides coverage for electrical breakdown, mechanical breakdown, pressure system breakdown and physical damage to the covered service line that is a direct result of service line failure. The limit of liability for equipment breakdown is up to $100,000 per loss with a deductible of $500. The limit of liability for service line is $10,000 per loss with a deductible of $500. FLOOD COVERAGE provides coverage for damages to your insured property caused by the peril of flood. IDENTITY THEFT OR IDENTITY FRAUD EXPENSES COVERAGE covers expenses incurred by an insured due to identity theft or identity fraud and provides assistance with restoring credit after a breach. LIMITED FUNGI, MOLD, WET ROT, DRY ROT OR BACTERIA COVERAGE – INCREASED LIMITS allows the basic $10,000 limit to be increased to $25,000 or $50,000. LIMITED SCREENED ENCLOSURE AND CARPORT COVERAGE provides coverage for loss caused by a hurricane to aluminum framed screened enclosures and carports permanently attached to the dwelling. LIMITED THEFT COVERAGE provides coverage for theft of personal property from the insured premises. LIMITED WATER DAMAGE COVERAGE provides a $10,000 water damage coverage limit. OPTIONAL SINKHOLE LOSS COVERAGE covers losses caused by the settling or systematic weakening of the ground over time. This coverage is available with an approved inspection. Your base policy covers Catastrophic Ground Cover Collapse meaning an abrupt collapse of the ground. ORDINANCE OR LAW COVERAGE provides coverage for costs associated with the enforcement of any ordinance or law regulating construction, repair, or demolition of a dwelling or other structure insured by the policy. ROOF SURFACES PAYMENT SCHEDULE ENDORSEMENT revises the loss settlement condition in the Dwelling Property Special Policy Form with respect to a covered loss for roof surfaces caused by the peril of windstorm or hail based on a payment schedule. PREMIUM CREDITS / DISCOUNTS DEDUCTIBLE CREDITS Policy premium may be reduced by selecting higher deductible options. PROTECTIVE DEVICES If your dwelling has a qualified central station burglar alarm, central station fire alarm or automatic fire sprinkler system in every room, you may be eligible for premium credits. SECURED COMMUNITY CREDIT If you live in a community that has a single entry, is protected by a 24- hour security patrol, has 24-hour manned gates protecting all entrances or passkey gates protecting all entrances into the community you may be eligible for a premium credit. WINDSTORM LOSS MITIGATION CREDITS Premium credit may be available for dwellings equipped with qualifying roof covering, roof deck attachment, roof to wall connection, certain soffit and siding types, and opening protection. PERILS INSURED AGAINST Coverages A – Dwelling and B – Other Structures cover risk of physical loss unless specifically excluded in the policy. EXCLUSIONS The SFI FL DF3D Dwelling Fire Landlord policy excludes certain losses, such as loss from earth movement; damage due to flood; neglect; war and nuclear hazards; power failure off your premises; and criminal activity. We recommend that you purchase flood insurance. Please contact your agent if you have not purchased this valuable coverage. SFI FL DF3 DL OTL 04 21 © Security First Insurance Company Page 2 of 3 RENEWAL AND CANCELLATION PROVISIONS RENEWAL If we offer you a renewal policy, you will receive an Offer of Renewal at least 45 days before your current policy expires. To renew your policy, the premium must be paid on or before the date your current policy expires. CANCELLATION You may cancel your policy at any time for any reason. We may elect to cancel this policy by advising you in writing of the date the cancellation will take effect as well as the reason for cancellation. Cancellation of your policy may result in a return premium on a pro-rata basis equal to the unearned portion of the premium. NON-RENEWAL If we do not intend to renew your policy, we will mail written notice to you at least 120 days before the expiration date of the policy. SFI FL DF3 DL OTL 04 21 © Security First Insurance Company Page 3 of 3 DWELLING PROPERTY 3 SPECIAL FORM (SFI FL DF3D) TABLE OF CONTENTS AGREEMENT .................................................................................................................................1 DEFINITIONS ................................................................................................................................. 1 COVERAGES COVERAGE A – DWELLING................................................................................................................. 2 COVERAGE B – OTHER STRUCTURES ...............................................................................................2 COVERAGE C – PERSONAL PROPERTY ........................................................................................... 3 COVERAGE D – FAIR RENTAL VALUE ................................................................................................ 4 COVERAGE E – ADDITIONAL LIVING EXPENSE ................................................................................ 4 OTHER COVERAGES........................................................................................................................... 4 PERILS INSURED AGAINST..................................................................................................................7 GENERAL EXCLUSIONS .....................................................................................................................11 CONDITIONS ....................................................................................................................................... 13 Your policy is valid only if our agent countersigns it on the Declarations Page. Your policy is executed by Security First Insurance Company’s Chief Executive Officer, W. Lockwood (Locke) Burt. W. Lockwood Burt Chairman and Chief Executive Officer SFI FL DF3D COV 12 20 © Security First Insurance Company www.SecurityFirstFlorida.com Checklist of Coverage Policy Type: Dwelling (Indicate: Homeowner's, Condominium Unit Owner's, Tenant's, Dwelling, or Mobile Home Owner's) The following checklist is for informational purposes only. Florida law prohibits this checklist from changing any of the provisions of the insurance contract which is the subject of this checklist. Any endorsement regarding changes in types of coverage, exclusions, limitations, reductions, deductibles, coinsurance, renewal provisions, cancellation provisions, surcharges, or credits will be sent separately. Reviewing this checklist together with your policy can help you gain a better understanding of your policy's actual coverages and limitations, and may even generate questions. By addressing any questions now, you will be more prepared later in the event of a claim. Experience has shown that many questions tend to arise regarding the coverage of attached or detached screened pool enclosures, screened porches, and other types of enclosures. Likewise, if your policy insures a condominium unit, questions may arise regarding the coverage of certain items, such as individual heating and air conditioning units; individual water heaters; floor, wall, and ceiling coverings; built-in cabinets and counter tops; appliances; window treatments and hardware; and electrical fixtures. A clear understanding of your policy's coverages and limitations will reduce confusion that may arise during claims settlement. Please refer to the policy for details and any exceptions to the coverages listed in this checklist. All coverages are subject to the provisions and conditions of the policy and any endorsements. If you have questions regarding your policy, please contact your agent or company. Consumer assistance is available from the Department of Financial Services, Division of Consumer Services' Helpline at (800) 342-2762 or www.fldfs.com. This form was adopted by the Florida Financial Services Commission. Dwelling Structure Coverage (Place of Residence) Limit of Insurance: $ $225,000 Loss Settlement Basis: Replacement Cost (i.e.: Replacement Cost, Actual Cash Value, Stated Value, etc). Other Structures Coverage (Detached from Dwelling) Limit of Insurance: $ $4,500 Loss Settlement Basis: Replacement Cost (i.e.: Replacement Cost, Actual Cash Value, Stated Value, etc). Personal Property Coverage Limit of Insurance: $ $3,000 Loss Settlement Basis: Actual Cash Value (i.e.: Replacement Cost, Actual Cash Value, Stated Value, etc). Deductibles Annual Hurricane: $4,500 All Perils (Other Than Hurricane): $1,000 OIR-B1-1670 (1-1-06) 1 of 3 Checklist of Coverage (continued) The above Limit of Insurance, Deductibles, and Loss Settlement Basis apply to the following perils insured against: (Items below marked Y (Yes) indicate coverage IS included, those marked N (No) indicate coverage is NOT included) Y Fire or Lightning Y Hurricane N Flood (Including storm surge) Y Windstorm or Hail (other than hurricane) Y Explosion Y Riot or Civil Commotion Y Aircraft Y Vehicles Y Smoke Y Vandalism or Malicious Mischief N Theft Y Falling Objects Y Weight of Ice, Snow or Sleet Y Accidental Discharge or Overflow of Water or Steam Y Sudden and Accidental Tearing Apart, Cracking , Burning or Bulging Y Freezing Y Sudden and Accidental Damage from Artificially Generated Electrical Current Y Volcanic Eruption N Sinkhole Y Any Other Peril Not Specifically Excluded (dwelling and other structures only) Special limits and loss settlement exceptions may apply to certain items. Refer to your policy for details. Loss of Use Coverage Coverage Limit of Insurance Time Limit (Items below marked Y (Yes) indicate coverage IS included, those marked N (No) indicate coverage is NOT included) N Additional Living Expense Shortest time required to Y Fair Rental Value $22,500 repair/replace/relocate Y Civil Authority Prohibits Use $22,500 2 weeks maximum Property - Additional/Other Coverages (Items below marked Y (Yes) indicate coverage IS Limit of Insurance Amount of insurance is an additional amount of included, those marked N (No) indicate coverage is Up to $225,000 coverage or is included within the policy limit. Unless otherwise Included Additional NOT included) Noted Y Debris Removal Included Y Reasonable Repairs Included Y Property Removed $300 Included Credit Card, Electronic Fund Transfer Card, or N Access Device, Forgery and Counterfeit Money Y Loss Assessment $1,000 Additional Y Collapse Included Y Glass or Safety Glazing Material Included N Landlord's Furnishings Y Law and Ordinance $56,250 Additional N Grave Markers Y Mold / Fungi $10,000 Included OIR-B1-1670 (1-1-06) 2 of 3 Checklist of Coverage (continued) Discounts Dollar ($) Amount of Discount (Items below marked Y (Yes) indicate discount IS applied, those marked N (No) indicate discount is NOT applied) N Multiple Policy Y Fire Alarm / Smoke Alarm / Burglar Alarm Included in Base Premium N Sprinkler N Windstorm Loss Reduction N Building Code Effectiveness Grading Schedule N Other Insurer May Insert Any Other Property Coverage Below Limit of Insurance Loss Settlement Basis: (Items below marked Y (Yes) indicate coverage IS (i.e.: Replacement Cost, Actual Cash Value, included, those marked N (No) indicate coverage is Stated Value, etc.) NOT included) Premises Liabil