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Filing # 196423824 E-Filed 04/17/2024 04:06:11 PM
IN THE CIRCUIT COURT OF THE TWELFTH JUDICIAL CIRCUIT IN AND
FOR SARASOTA COUNTY, FLORIDA
BAO NGUYEN AND ANH THI PHAM, CASE NO.:
Plaintiffs,
Vv
FLORIDA INSURANCE GUARANTY ASSOCIATION,
Defendant.
COMPLAINT
Plaintiffs, BAO NGUYEN AND ANH THI PHAM, hereby sue Defendant,
FLORIDA INSURANCE GUARANTY ASSOCIATION (“FIGA”), based on the
following:
1 This action is for breach of a homeowners’ insurance contract.
2 This action exceeds $50,000.00, exclusive of interest, attorneys’ fees, and
costs.
Plaintiffs are individuals who, at all times material hereto, had an ownership
and insurable interests in residential property in Sarasota County, Florida.
At all times materials hereto, Plaintiffs’ property was insured under a Policy
issued by United Property & Casualty Insurance Co.
As of the filing of this lawsuit, United Property & Casualty Insurance Co
(“Insolvent Insurer”) has been declared insolvent.
Insolvent Insurer was a Florida corporation qualified to do business in Florida
Filed 04/17/2024 04:59 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL
and which, at all times material hereto, conducted business in Sarasota,
Florida.
Defendant FIGA is a Florida nonprofit corporation created by the Florida
Legislature to service claims submitted by policyholders to insurance carriers
that Florida has declared insolvent.
Defendant has at all times material hereto been conducting business in
Sarasota County, Florida.
Venue is proper in Sarasota County, Florida because the Policy contract,
which forms the subject matter of this lawsuit, was executed and operative in
Sarasota County, Florida.
10 At all times material hereto, Insolvent Insurer maintained with Plaintiffs a
Policy of homeowner’s insurance in exchange for premiums paid; i.e. a
contract.
11 Insolvent Insurer insured Plaintiffs’ property as follows:
a Address: 5839 Sandy Pointe Dr
Sarasota, FL 34233-3515
b Policy No: UHV34178140801.
12 Insolvent Insurer inspected dwelling when first issuing Policy.
13 As a result, Insolvent Insurer has an underwriting file.
14 Underwriting file documents physical condition of dwelling prior to the
subject loss.
15 This is an HO-3 policy a/k/a an “all risk” policy.
16 Plaintiffs are in possession of a certified copy of the policy issued by the
Insolvent Insurer. (Exhibit A)
17 Insolvent Insurer was in possession of the Policy.
18 Defendant, therefore, is in possession of the Policy.
19 Policy for each period is in the exclusive control of Defendant.
20 A copy of the Policy is incorporated by reference.
21 Plaintiffs’ dwelling sustained direct physical loss caused by a weather event
while the Policy was in effect.
22 Plaintiffs’ loss is covered under the Policy.
21 Plaintiffs reported to Insolvent Insurer the loss and resulting damages.
22. Insolvent Insurer assigned claim number is 022422FL00178853.
23 Insolvent Insurer’s date of loss is September 28, 2022.
24 Insolvent Insurer denied that the Policy provides coverage for Plaintiffs’
damages.
25 Insolvent Insurer materially breached the Policy by failing to fully pay for this
loss.
26 As a result, Plaintiffs suffered damages.
27 Plaintiffs retained counsel to protect all rights under the policy.
28 Plaintiffs are responsible, absent agreement or an order of this Court, for all
reasonable attorney’s fees and costs.
29 Plaintiffs complied with all conditions precedent to recover under the Policy.
30 Insolvent Insurer was subsequently declared insolvent.
31 Defendant FIGA was appointed to pay Insolvent Insurer’s outstanding claims
for property and casualty policies pursuant to Chapter 631, Florida Statutes
and FIGA was substituted as the statutory guarantor of Insolvent Insurer’s
contractual obligations to the Plaintiffs under the Policy.
32 FIGA has affirmatively denied the subject claim.
33 Otherwise, FIGA has failed to fully compensate Plaintiffs for the damages to
the Plaintiffs’ property.
34 FIGA has failed to properly indemnify the Plaintiffs in violation of FIGA’s
statutory duty to do so under Chapter 631, Florida Statutes.
WHEREFORE, Plaintiffs demand:
a judgment against Defendant for all damage and resulting loss set forth
above, these losses are ongoing and will continue in the future;
attorneys’ fees and costs pursuant to 627.428 (attorney’s fees), 57.041
(costs) and 92.231 (expert witness fees), Florida Statutes, or otherwise;
and
trial by jury.
Dated: April 17, 2024
/s/ Brandon Miles
Brandon Miles, Esq.
Florida Bar No. 1049817
Keller, Melchiorre & Walsh, PLLC
3900 Military Trail, Suite 600
Jupiter, FL 33458
(561) 295-5825 Telephone
(561) 766-7054 Facsimile
brandon@kmwlegal.com
jdegregoria@kmwlegal.com
EXHIBITA
UPCCS
INSURANCE
AMG INSURANCE & FINANCIAL
SERVICES INC
5706 CLARK RD
SARASOTA FL 34233-3302
‘0000000682
BAO NGUYEN
ANH PHAM
5839 SANDY POINTE DR
SARASOTA FL 34233
IMPORTANT INFORMATION RELATED TO YOUR POLICY
Policy No: UHV 3417814 08
To answer questions about your policy, coverage and payment obligation, your
best source of information is your local insurance agent.
The agent responsible for servicing your policy is:
AMG INSURANCE & FINANCIAL
SERVICES INC
5706 CLARK RD
SARASOTA FL 34233-3302
941-924-2700
To check Policy and/or billing information 24 hours a day, use our Automated Response
System:
Call 1-800-295-8016 for up-to-date information concerning your policy.
Please have your policy number available when making this call.
To Make Payments, log onto www.upcinsurance.com/policyholders/payments or use
the stub on your invoice and the envelope provided and mail to:
UPC Insurance
P.O. Box 31512
Tampa, FL 33631-3512
To Report a Claim:
You may call us 24 hours a day at 1-(888) CLM DEPT/1-(888)-256-3378.
Or
You may report a claim to your agent at the address and phone number above.
Office Hours: 8:00am to 5:00pm (Eastern Time), Monday through Friday, except Holidays
UPC
INSURANCE
=
HOMEOWNERS
POLICY NUMBER POLICY PERIOD
rom oO
UNITED PROPERTY & CASUALTY INS CO
06/30/2022 06/30/2023
PO Box 30763 UHV 3417814 08 12:01 am_ Eastern Standard Time
Tampa, FL 33630-3763 at the mailing address shown below
INSURED COPY Date Issued: 05/02/2022
INSURED: AGENT: 1003204
BAO NGUYEN AMG INSURANCE & FINANCIAL
ANH PHAM SERVICES INC
5839 SANDY POINTE DR 5706 CLARK RD
SARASOTA FL 34233 SARASOTA FL 34233-3302
Telephone: 941-922-7687 Telephone: 941-924-2700
Property Address: 5839 SANDY POINTE DR, SARASOTA FL 34233
This is a Bill
INST DATE TRANSACTION AMOUNT
o1 04/29/2022 Renewal Premium $2,721.00
o1 04/29/2022 Fee $27.00
AMOUNT DUE: $ 2,748.00
PAYMENT DUE 06/30/2022
POLICY BALANCE $ 2,748.00
IMPORTANT NOTICE:
FOR COVERAGE TO CONTINUE, YOUR PAYMENT MUST REACH OUR OFFICE BY THE DUE DATE. IF
PAYMENT IS NOT RECEIVED ON OR BEFORE THAT DATE, THIS POLICY WILL NOT BE IN FORCE.
PREMIUM NOTICE-INSURED
Please mail payment to the address below or to make an electronic payment,
log onto www.upcinsurance.com.
*k***k*DETACH HERE*##A
a eee eee es es
HHKEKEKKEKERDO NOT PHOTOCOPY# ## RHA RR
Payment must be received on or before due date to avoid cancellation.
For any billing questions, please call 800-295-8016. If you have
questions concerning your coverage, please contact your agent listed above.
A PAYMENT PLAN IS AVAILABLE - PLEASE CONTACT YOUR AGENT IF INTERESTED.
POLICY NUMBER: UHV 3417814 08
EFFECTIVE DATE: 06/30/2022 AMOUNT DUE NOW $2,748.00
LOAN NUMBER: 1427971443
AGENT: 1003204
PLEASE REMIT PAYMENT TO:
BAO NGUYEN UPC Insurance
ANH PHAM P.O. Box 31512
5839 SANDY POINTE DR Tampa, FL 33631-3512
SARASOTA FL 34233
UPCOOOLUHV341781L4080b30220b30e200002748000
UPC
113 1004
UPCZCS
INSURANCE
Dear UPC Policyholder,
UPC Insurance is pleased to enclose your renewal policy. We urge you to review it and become familiar
with the coverages and limits for which you are insured. Should you have questions or desire changes,
please call your agent listed in the upper right hand corner of your policy for assistance. Your agent will be
happy to clarify any coverage or premium concerns. Also, please note that your homeowners policy does
not cover flood. Only a Flood Insurance Policy covers flood.
As you look over your renewal, we want to make you aware of UPC’s easy-to-pay installment premium
plans. In the event of a loss, UPC wants to be able to respond to your policy, so it is very important that
your premium payments are made on time. The renewal premium on your policy can be paid in any one of
the following ways:
Type of 1% Payment Due 2™ Payment 3" Payment 4" Payment Due Installment
Payment Due Due Charges
One Pay 20 days prior to None
Option the renewal
date of the
policy
Two Pay 20 days prior to 60 days after $3 each
Option the renewal the inception installment
date of the date of the ($6 total)
policy renewal policy
Three Pay 20 days prior to 60 days after 120 days after $3 each
Option the renewal the inception the inception installment
date of the date of the date of the ($9 total)
policy renewal policy renewal policy
Four Pay 20 days prior to 60 days after 120 days after 180 days after $3 each
Option the renewal the inception the inception the inception installment
date of the date of the date of the date of the ($12 total)
policy renewal policy renewal policy renewal policy
Eleven Pay 11 equal monthly installments, automatically deducted from your bank $1 each
Option account installment
{$11 total)
Quarterly 20 days prior to 90 days after 180 days after 270 days after $3 each
the renewal the inception the inception the inception installment
date of the date of the date of the date of the ($12 total)
policy renewal policy renewal policy renewal policy
Semiannual 20 days prior to 180 days after $3 each
the renewal the inception installment
date of the date of the ($6 total)
policy renewal policy
It is important to check your policy to see how your payment plan is set up. Call your agent if you need to
change to another one of our easy payment options. You can disregard this notice if your Mortgagee
collects your premium via escrow and pays your premium for you.
Finally, should you have a homeowner claim this year; you should report it by calling 800-861-4370 or
727-895-7737. You can also report a loss by accessing www.upcinsurance.com, click on Policyholders,
then click on Click Here to Submit a Claim on an Existing Homeowners or Dwelling Fire Policy and follow
the directions.
We thank you for allowing UPC to provide your Florida homeowners policy. We value the trust you have
placed in us and we encourage you to visit our website at www.upcinsurance.com to learn more about our
company.
WWW.UPCINSURANCE.COM 11/2014
UPCC®
INSURANCE
the
Keep
Promise
NOTICE OF CHANGE IN POLICY TERMS
We are sending this Notice of Change in Policy Terms to inform you about important changes to your
Policy.
A brief overview of the changes is described below; however, it is important for you to read all the
enclosed documents to fully understand these changes.
|f you have any questions or have any changes that may affect your Policy or coverage, please contact your
agent at the number shown in your Declarations. We appreciate your business, and we value you as a
customer. Thank you for choosing UPC for your insurance needs.
Endorsements
Endorsements may restrict or broaden coverage pertaining to your Homeowner’s Policy. We have
introduced or amended the following endorsements that apply to your Policy:
UPC 191 06 21 Special Provisions — Florida
UPC 191 02 18 Special Provisions - Florida was part of your policy. It has been replaced by UPC 191 06
21 Special Provisions — Florida. The following changes affect your coverage:
DEFINITIONS
. We added a definition for “Reopened Claim” and defined it as:
o A claim that an insurer has previously closed, but that has been reopened upon an
“insured’s request for additional costs for loss or damage previously disclosed to the
insurer.
“ ‘Su
We added a definition for Supplemental
lemental Claim”
Claim” and defined it as:
o Acclaim for additional loss or damage from the same peril which the insurer has previously
adjusted or for which costs have been incurred while completing repairs or replacement
pursuant to an open claim for which timely notice was previously provided to the insurer.
We added a definition for “Cl imant” and defined it as:
o An “insured” who is filing suit under a residential or commercial property insurance policy.
1 Disputed Amount” and defined it as:
We added a definition for —Uisputed Amount”
o The difference between the “claimant’s “presuit settlement demand”, not including
attorney fees and costs listed in the demand, and the insurer’s “presuit settlement offer”,
not including attorney fees and costs, if part of the offer.
We added a definition for “Presuit Settlement Demand” and defined it as:
© The demand made by the “claimant” in the written notice of intent to initiate litigation as
required by Florida law. The demand must include the amount of reasonable and necessary
attorney fees and costs incurred by the “claimant”, to be calculated by multiplying the
number of hours actually worked on the claim by the “claimant’s
” attorney as of the date of
the notice by a reasonable hourly rate.
We added a definition for “Presuit Settlement Offer” and defined it as:
o The offer made by the insurer in its written response to the notice as required by Florida
law.
SECTION | - PROPERTY COVERAGES
° Coverage C - Personal Property
o Amended item a. in 3. Special Limits Of Liability to include virtual currency of any kind
including, but not limited to: digital currency, crypto currency, or any other type of electronic
currency in the $200 special limit.
NO14
UPC NCPT 06 15 Page 1 of 3
UPCZS
INSURANCE
Keep
the
Promises
SECTION | - CONDITIONS
. Legal Action Against Us
° Renamed from H. Suit Against Us to H. Legal Action Against Us
o Language was added and amended outlining the requirement of the “claimant” to notify the
Florida Department of Financial Services of intent to initiate litigation, the insurer’s
responsibilities, and process by which the insurer will respond to the notice as required by
Florida law.
As a condition precedent to filing suit, you, the “claimant”, must provide the Florida
Department of Financial Services written notice of your intent to initiate litigation. The notice
must be provided at least 10 business days prior to filing suit and must contain the
following information:
. That the notice is provided pursuant to this section;
. The alleged acts or omissions of the insurer giving rise to the suit, which may
include a denial of coverage;
If provided by an attorney or other representative, that a copy of the notice was
provided to the “claimant”;
If the notice is provided following a denial of coverage, an estimate of damages, if
known; and
If the notice is provided following acts or omissions by the insurer other than denial
of coverage, both of the following:
. The “presuit settlement demand”, which must itemize damages, attorney
fees, and costs; and
.
The “disputed amount”.
© This form outlines the insurer’s duties in responding to the notice:
. A response will be provided by us within 10 business days after receiving the
notice.
If responding to a notice served following a denial of coverage, we will respond by
accepting coverage, continuing to deny coverage, or asserting the right to reinspect
the damaged property.
. If we respond by asserting the right to reinspect, we have 14 business days after
the response to reinspect and accept or continue to deny coverage.
. Notice of Claim
o Amended this section barring a claim or “reopened claim” for loss or damage caused by any
peril unless notice is provided within 2 years after the date of loss.
° A “supplemental claim” is barred unless notice is provided within 3 years after the date of
loss.
° Added clarification of the date of loss for claims resulting from hurricanes, tornadoes,
windstorms, severe rain, or other weather-related events as required by Florida law.
HO 043 06 21 - Water Damage Exclusion Endorsement
If UPC 605 11 14 — Water Damage Exclusion Endorsement was part of your policy, it has been replaced
with HO 043 06 21 - Water Damage Exclusion Endorsement. The following changes affect your coverage:
. Clarified in opening paragraph that the deletion of Accidental Discharge Or Overflow Of Water Or
Steam, under SECTION - PERILS INSURED AGAINST, applies to all forms and endorsements
applicable to the policy.
Added exclusion for constant repeated seepage regardless of source.
Clarified the exclusion applies regardless of whether any of the items in the endorsement are caused
by an act of nature or is otherwise caused.
Direct loss by theft resulting from water damage is covered.
NO14
UPC NCPT 06 15 Page 2 of 3
UPCZ®
INSURANCE
Keep
the
Promises
Hi 1O 09 044 06 21 — Limited Water Damage Coverage Endorsement
lf UPC 604 11 14 - Limited Water Damage Coverage Endorsement was part of your policy, it has been
replaced with HO 09 044 06 21 - Limited Water Damage Coverage Endorsement. The following changes
affect your coverage:
. The limit includes the cost of trenching and tear out.
. The limit includes the cost for Reasonable Emergency Measures.
. Added clarification that we do not cover loss to the system from which the water escaped.
. The limit applies to ensuing loss to covered property by a Peril Insured Against resulting from water
damage; however, the limit will not apply when the ensuing loss to the covered property is caused
by Fire, Explosion, Collapse, or “Fungi”, Wet Or Dry Rot, Or Bacteria.
eee eee End of Notice of Change in Policy Terms ee
This notice is for informational purposes only and is not intended to
replace or amend any language within your contract.
We encourage you to read your entire Policy.
Thank you for being a customer. We appreciate your business!
NO14
UPC NCPT 06 15 Page 3 of 3
UPCCS
INSURA
HOMEOWNERS
POLICY NUMBER
DECLARATIONS
POLICY PERIOD
UNITED PROPERTY & CASUALTY INSURANCE CO ‘rom ‘o
PO Box 30763 UHV 3417814 08 01 06/30/2022 06/30/2023
Tampa, FL 33630-3763 12:01 a, m. at the residence premises.
RENEWAL DECLARATION Effective: 06/30/2022 Date Issued: 04/29/2022
INSURED: AGENT: 1003204
BAO NGUYEN AMG INSURANCE & FINANCIAL
ANH PHAM SERVICES INC
5839 SANDY POINTE DR 5706 CLARK RD
SARASOTA FL 34233 SARASOTA FL 34233-3302
Telephone: 941-922-7687 Telephone: 941-924-2700
The residence premises covered by this policy is located at the address listed below.
5839 SANDY POINTE DR, SARASOTA FL 34233
IF PAYMENT IS NOT RECEIVED ON OR BEFORE THE POLICY RENEWAL EFFECTIVE DATE,
THIS POLICY WILL NOT BE IN FORCE.
Coverage is provided where premium and limit of liability is shown. Flood coverage is not provided and is not a
part of this policy.
SECTION I COVERAGE LIMIT OF LIABILITY PREMIUMS
A. DWELLING $435,000.00 $2,646.00
C. PERSONAL PROPERTY $108,892.00 -$272.00
D. LOSS O $87,000.00 INCLUDED
SECTION Il COVERAGE
E. PERSONAL LIABILITY $300,000.00 $18.00
F, MEDICAL PAYMENTS $1,000.00 INCLUDED
OPTIONAL COVERAGES
Continued on Optional Coverages Schedule
Premium charge for Hurricane Exposure: $1,830.00
Hurricane Deductible per calendar year: $8,700 / 2% of Coverage A
Sinkhole Deductible per sinkhole loss: $43,500 / 10% of Coverage A
All Other Peril Deductible: $2,500
TOTAL POLICY PREMIUM INCLUDING ASSESSMENTS AND ALL SURCHARGES: $2,748.00
The amount of premium change due to approved rate change is 144.00
The amount of premium change due to coverage change is 88.00
COVERAGES HAVE BEEN INCREASED TO HELP KEEP PACE WITH RISING REPLACEMENT COST.
PLEASE CONTACT YOUR AGENT IF THERE ARE ANY QUESTIONS PERTAINING TO YOUR POLICY.
FORMS AND ENDORSEMENTS
HO 0003 (05/11) HO 0334 (05/13) COUNTERSIGNED DATE 04/29/2022
HO 0350 (06/97) HO 0355 (05/13)
HO 0446 (10/00)
HO 0496 (04/91)
HO 0477 (10/00)
HO 2370
Continued on Forms Schedule
(05/13) BY
Ape
ADDITIONAL INTERESTS
MORTGAGEE
1427971443
AIM LOAN.COM
| A
PO BOX 961
FORT WORTH TX 76161-0292
UPC 101 01 19 INSURED COPY Page 1 of 5
UPCCS
INSURANCE
HOMEOWNERS
POLICY NUMBER
DECLARATIONS
POLICY PERIOD
UNITED PROPERTY & CASUALTY INS CO From To
PO Box 30763 UHV 3417814 08 01 06/30/2022 sone, 20/30/2023
Tampa, FL 33630-3763 :01 a.m. at the residenca
RENEWAL DECLARATION Effective: 06/30/2022 Date Issued:04/29/2022
INSURED: AGENT: 1003204
BAO NGUYEN AMG INSURANCE & FINANCIAL
ANH PHAM SERVICES INC
5839 SANDY POINTE DR 5706 CLARK RD
SARASOTA FL 34233 SARASOTA FL 34233-3302
Telephone: 941-922-7687 Telephone: 941-924-2700
The residence premises covered by this policy is located at the above insured address unless otherwise stated below:
5839 SANDY POINTE DR, SARASOTA FL 34233
Premium:
SECTION I, SECTION II AND OPTIONAL PREMIUMS $2,703.00
EMERGENCY MANAGEMENT TRUST FUND SURCHARGE $2.00
MANAGING GENERAL AGENCY (MGA) POLICY FEE $25.00
FL INS GUAR ASSOC ASSESS. $18.00
TOTAL POLICY PREMIUM INCLUDING ASSESSMENTS AND ALL SURCHARGES $2,748.00
NOTE: The portion of your premium for Hurricane Coverage is: $1,830.00
The portion of your premium for All Other Coverages is: $873.00
An adjustment of 0% is included to reflect the Building Code grade for your area. Adjustments range from 1%
surcharge to 46.1% credit.
Your policy includes endorsement HO 04 46 Inflation Guard - which automatically increases the
amount of Dwelling Coverage by the annual percentage amount shown below. Therefore, your
hurricane deductible may be higher than indicated on the policy when a hurricane loss occurs
due to application of this endorsement.
FLOOD CARRIER N/A
FLOOD ZONE N/A BFE N/A LFE N/A
FORM TYPE HO-3 YEAR BUIL 991 TOWN/ROW HOUSE N/A
CONSTRUCT TYPE M CONSTRUCT SUPERIOR NUMBER OF FAMILIES 00001
AOP TERRITORY 715 PROTECTION CLASS 02 USE COl
MUNICIPAL CODE 999999 COUNTY COD 115 PROT DEVICE/BURGLAR
PROT DEVICE/FIRE N PROT DEV/SPRINKLER PROT DEV/SHUTTER
WIND/HAIL EXCLUSION N REPLACEMENT COST OCCUPANCY CODE OWNER
FLOOD CREDIT N SINKHOLE COVERAGE | WIND TERRITORY 715A
WATER PREVENTION CR N INFLATION GUARD 4%
UPC 10101 19 INSURED COPY Page 2 of 5
UPCCS
INSURANCE
HOMEOWNERS
POLICY NUMBER
DECLARATIONS
POLICY PERIOD
UNITED PROPERTY & CASUALTY INS CO ‘rom
PO Box 30763 UHV 3417814 08 01 6/30/2022. 06/30/2023
Tampa, FL 33630-3763 an.
at the
RENEWAL DECLARATION Effective: 06/30/2022 Date Issued: 04/29/2022
INSURED AGENT: 1003204
BAO NGUYEN AMG INSURANCE & FINANCIAL
ANH PHAM. SERVICES INC
5839 SANDY POINTE DR 5706 CLARK RD
SARASOTA FL 34233 SARASOTA FL 34233-3302
Telephone: 941-922-7687 Telephone: 941-924-2700
The residence premises covered by this policy is located at the above insured address unless otherwise stated below:
5839 SANDY POINTE DR, SARASOTA FL 34233
W AND ORDINANCE: LAW AND ORDINANCE COVERAGE IS
AN IMPORTANT_ COV
REHASE PLEASE DISCUSS WITH YOUR INSURANCE
FLOOD INSURANCE. YOU MAY ALSO. NEED TO CONSIDER THE
E OF OOD WNER’S
INSURANCE POLICY DOES NOT NNELUDE ERA
DAMAGE RESULTIN IF HURRICANE
WINDS AND RAIN CAUSED THE ELOOD TO OCCUR ITHOUT
SEPARATE FLOO INS NC
SNC OVERED LOSSES Aan BY FLOOD. PLEASE DISCUSS
PA FLOOD INSURANCE
COVERAGE WITH YOUR INSURANCE AGE
rs fouicy CONTAINS A SEPARATE DEDUCTIBLE FOR
URRICA MAY RESULT IN HIGH
GULOE. POCKET EXPENSES TO YO
A rate adjustment of 70% of wind premium is included to reflect the windstorm mitigation features of your dwelling.
Adjustments range from 0% to 89% credit subject to verification that your home meets the windstorm mitigation
characteristics of the 2001 Florida Building Code.
IN CASE OF A LOSS TO COVERED PROPERTY, YOU MUST TAKE REASONABLE EMERGENCY MEASURES
SOLELY TO PROTECT THE PROPERTY FROM FURTHER DAMAGE IN ACCORDANCE WITH THE POLICY
PROVISIONS (MAY NOT EXCEED THE GREATER OF $3000 OR 1% OF YOUR COVERAGE A LIMIT OF LIABILITY
UNLESS YOU CALL US FIRST AND RECEIVE OUR APPROVAL). PROMPT NOTICE OF THE LOSS MUST BE GIVEN
TO US OR YOUR INSURANCE AGENT. EXCEPT FOR REASONABLE EMERGENCY MEASURES, THERE IS NO
COVERAGE FOR REPAIRS THAT BEGIN BEFORE THE EARLIER OF - (A) 72 HOURS AFTER WE ARE NOTIFIED OF
THE LOSS, (B) THE TIME OF LOSS INSPECTION BY US, OR (C) THE TIME OF OTHER APPROVAL BY US. TO
REPORT A LOSS OR CLAIM CALL 1(888) 256-3378.
AkRiRaRAR RIE
Additional Information
This replaces all previously issued policy declarations, if any. The declarations page together
with all policy provisions and any other applicable endorsements completes your policy.
UPC 101 01 19 INSURED COPY Page 3 of 5
UPCCS
INSURANCE
HOMEOWNERS
POLICY NUMBER
BeetanaTion|
pou’ PERICD
UNITED PROPERTY & CASUALTY INS CO
PO Box 30763 UHV 3417814 08 01 06/30/2022 06/30/2023
Tampa, FL 33630-3763 12:01 a.m. at the residence premises.
OPTIONAL COVERAGES SCHEDULE
(continued from page 1)
Coverage Type Description Limit Premium
ORDINANCE OR LAW % INCREASE $108,750.00 INCLUDED
LIMITED SCREEN ENCLOSURE & $10,000.00 $371.00
UPC 101 01 19 INSURED COPY Page 4 of 5
UPC’
INSURANCE
HOMEOWNERS
POLICY NUMBER
DECLARATIONS
Poucy cena
UNITED PROPERTY & CASUALTY INS CO
PO Box 30763 UHV 3417814 08 01 96) (30/2022 06/30/2023
Tampa, FL 33630-3763 ’2.m. at the residence premises.
FORMS SCHEDULE
(continued from page 1)
HO 2386 (05/13) * HPINSTALL (11/14) *N003 (04/19) * OIRB11655 (02/10) * OIRB11670 (01/06)
*UPC 105 (07/14) UPC 112 (08/99) *UPC 155 (01/06) * UPC 160 (10/05) UPC 164 (06/06)
UPC 174 (09/06) UPC 176 (10/12) UPC 187 (05/12) *UPC 191 (06/21) UPC 192 (07/14)
UPC 601 (02/14) UPC 602 (02/14) UPC 603 (02/18) *UPCNCPT (06/15)
UPC 101 01 19 INSURED COPY Page 5 of 5
Privacy Notice
Protecting the privacy and confidentiality of information about our customers is very important to us. While
information is the cornerstone of our ability to provide superior insurance products, our most important
asset is our customers’ trust. Accordingly, we limit the collection and use of customer information to the
minimum we require in delivering superior products and services. This Privacy Notice includes examples of
the types of nonpublic personal information we collect and the kinds of companies with whom we may
share such information. You do not need to do anything in response to this notice. This notice is merely to
inform you about how we safeguard your information.
Information We Collect
We know that you expect us to conduct and process your business in a manner that is both accurate and
efficient. To do so, we gather nonpublic personal information about you, as permitted by law, that is
pertinent to the underwriting or claims investigation process, such as:
. Your name, address, telephone number, social security number, age, and employer;
. Prior insurance coverage, claims history, premiums, and payment history;
. Information from consumer reporting agencies, public records, and data collection agencies;
. Data from consumer electronic devices in relation to the underwriting or claims investigation process.
Information We May Disclose
In general, we do not disclose any nonpublic personal information about our customers or former customers
to anyone, except for information that we may be required by law to disclose. We may however, disclose
nonpublic personal information to third-parties who provide customer service or other administrative
services for your account. We may also disclose your nonpublic personal information to companies that
provide marketing services on our behalf or to other companies whom with we have joint marketing
agreements, as permitted by law.
Additionally, we may also disclose nonpublic personal information to affiliates, which may include, auditors,
attorneys, Certified Public Accountants, investment companies, underwriters, and others who perform
business or professional services to our company. We require all third-party service providers to keep your
information confidential and protected, and to maintain safeguards which comply with all applicable
regulatory standards to guard your nonpublic personal information against unauthorized disclosure.
Finally, we may disclose information in response to requests from law enforcement or other governmental
agencies or state insurance regulatory authorities. We are required by law to honor these requests.
Security of Your Informatio:
To safeguard your nonpublic personal information, we limit access to our customers’ nonpublic personal
information to only those employees who need access to the information to perform their job functions.
Additionally, we insist that the third-parties that perform services for us limit access to your personal
information to authorized employees and agents, and maintain appropriate administrative, physical,
electronic and procedural safeguards. Additionally, these third parties are under contractual obligations of
confidentiality to us and are not permitted to use your data for any other purposes than the services they
are performing for us.
Personal Information Accessibility and Correction
If you are a resident of Connecticut, Georgia, New Jersey, or North Carolina, you have the right to access
and correct the personal information that we have collected from or about you. Please contact us and we
will make necessary changes. If the information was provided to us by a third party (such as a credit rating
agency) we will provide you with the third party's contact information. If you do not live in one of the
aforementioned states, we will always take reasonable steps to verify the accuracy of your personal
information in our records.
N 003 04 19 Page 1 of 2
Changes to this Privacy Notic
We reserve the right to modify this Privacy Notice at any time. If we make material changes, we will
provide a revised Privacy Notice. If we modify this Privacy Notice such that the use of your personally
identifiable information is different from what was stated in our Privacy Notice at the time your data was
ollected, we will notify you. You will be able to opt out of any new uses of your previously disclosed
information. Your information will be used in accordance with the Privacy Notice in effect when your
information was collected.
The UPC Website
Our website also has a privacy notice, which can be found on our website via the following link.
https://www.upcinsurance.com/legal. Always be aware of the risks when transmitting nonpublic personal
information over the internet.
Our Privacy Notice applies to the following affiliates in the UPC Insurance® family of companies:
United Insurance Holdings Corp.
Family Security Holdings, LLC
AmCo Holding Company, LLC
United Property & Casualty Insurance Company
American Coastal Insurance Company
Family Security Insurance Company, Inc.
Interboro Insurance Company
Journey Insurance Company
United Insurance Management, L.C.
Skyway Reinsurance Services, LLC
Skyway Claims Services, LLC
Skyway Legal Services, LLC
Skyway Technologies, LL
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Filing # 196423824 E-Filed 04/17/2024 04:06:11 PM IN THE CIRCUIT COURT OF THE TWELFTH JUDICIAL CIRCUIT IN AND FOR SARASOTA COUNTY, FLORIDA BAO NGUYEN AND ANH THI PHAM, CASE NO.: Plaintiffs, Vv FLORIDA INSURANCE GUARANTY ASSOCIATION, Defendant. COMPLAINT Plaintiffs, BAO NGUYEN AND ANH THI PHAM, hereby sue Defendant, FLORIDA INSURANCE GUARANTY ASSOCIATION (“FIGA”), based on the following: 1 This action is for breach of a homeowners’ insurance contract. 2 This action exceeds $50,000.00, exclusive of interest, attorneys’ fees, and costs. Plaintiffs are individuals who, at all times material hereto, had an ownership and insurable interests in residential property in Sarasota County, Florida. At all times materials hereto, Plaintiffs’ property was insured under a Policy issued by United Property & Casualty Insurance Co. As of the filing of this lawsuit, United Property & Casualty Insurance Co (“Insolvent Insurer”) has been declared insolvent. Insolvent Insurer was a Florida corporation qualified to do business in Florida Filed 04/17/2024 04:59 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL and which, at all times material hereto, conducted business in Sarasota, Florida. Defendant FIGA is a Florida nonprofit corporation created by the Florida Legislature to service claims submitted by policyholders to insurance carriers that Florida has declared insolvent. Defendant has at all times material hereto been conducting business in Sarasota County, Florida. Venue is proper in Sarasota County, Florida because the Policy contract, which forms the subject matter of this lawsuit, was executed and operative in Sarasota County, Florida. 10 At all times material hereto, Insolvent Insurer maintained with Plaintiffs a Policy of homeowner’s insurance in exchange for premiums paid; i.e. a contract. 11 Insolvent Insurer insured Plaintiffs’ property as follows: a Address: 5839 Sandy Pointe Dr Sarasota, FL 34233-3515 b Policy No: UHV34178140801. 12 Insolvent Insurer inspected dwelling when first issuing Policy. 13 As a result, Insolvent Insurer has an underwriting file. 14 Underwriting file documents physical condition of dwelling prior to the subject loss. 15 This is an HO-3 policy a/k/a an “all risk” policy. 16 Plaintiffs are in possession of a certified copy of the policy issued by the Insolvent Insurer. (Exhibit A) 17 Insolvent Insurer was in possession of the Policy. 18 Defendant, therefore, is in possession of the Policy. 19 Policy for each period is in the exclusive control of Defendant. 20 A copy of the Policy is incorporated by reference. 21 Plaintiffs’ dwelling sustained direct physical loss caused by a weather event while the Policy was in effect. 22 Plaintiffs’ loss is covered under the Policy. 21 Plaintiffs reported to Insolvent Insurer the loss and resulting damages. 22. Insolvent Insurer assigned claim number is 022422FL00178853. 23 Insolvent Insurer’s date of loss is September 28, 2022. 24 Insolvent Insurer denied that the Policy provides coverage for Plaintiffs’ damages. 25 Insolvent Insurer materially breached the Policy by failing to fully pay for this loss. 26 As a result, Plaintiffs suffered damages. 27 Plaintiffs retained counsel to protect all rights under the policy. 28 Plaintiffs are responsible, absent agreement or an order of this Court, for all reasonable attorney’s fees and costs. 29 Plaintiffs complied with all conditions precedent to recover under the Policy. 30 Insolvent Insurer was subsequently declared insolvent. 31 Defendant FIGA was appointed to pay Insolvent Insurer’s outstanding claims for property and casualty policies pursuant to Chapter 631, Florida Statutes and FIGA was substituted as the statutory guarantor of Insolvent Insurer’s contractual obligations to the Plaintiffs under the Policy. 32 FIGA has affirmatively denied the subject claim. 33 Otherwise, FIGA has failed to fully compensate Plaintiffs for the damages to the Plaintiffs’ property. 34 FIGA has failed to properly indemnify the Plaintiffs in violation of FIGA’s statutory duty to do so under Chapter 631, Florida Statutes. WHEREFORE, Plaintiffs demand: a judgment against Defendant for all damage and resulting loss set forth above, these losses are ongoing and will continue in the future; attorneys’ fees and costs pursuant to 627.428 (attorney’s fees), 57.041 (costs) and 92.231 (expert witness fees), Florida Statutes, or otherwise; and trial by jury. Dated: April 17, 2024 /s/ Brandon Miles Brandon Miles, Esq. Florida Bar No. 1049817 Keller, Melchiorre & Walsh, PLLC 3900 Military Trail, Suite 600 Jupiter, FL 33458 (561) 295-5825 Telephone (561) 766-7054 Facsimile brandon@kmwlegal.com jdegregoria@kmwlegal.com EXHIBITA UPCCS INSURANCE AMG INSURANCE & FINANCIAL SERVICES INC 5706 CLARK RD SARASOTA FL 34233-3302 ‘0000000682 BAO NGUYEN ANH PHAM 5839 SANDY POINTE DR SARASOTA FL 34233 IMPORTANT INFORMATION RELATED TO YOUR POLICY Policy No: UHV 3417814 08 To answer questions about your policy, coverage and payment obligation, your best source of information is your local insurance agent. The agent responsible for servicing your policy is: AMG INSURANCE & FINANCIAL SERVICES INC 5706 CLARK RD SARASOTA FL 34233-3302 941-924-2700 To check Policy and/or billing information 24 hours a day, use our Automated Response System: Call 1-800-295-8016 for up-to-date information concerning your policy. Please have your policy number available when making this call. To Make Payments, log onto www.upcinsurance.com/policyholders/payments or use the stub on your invoice and the envelope provided and mail to: UPC Insurance P.O. Box 31512 Tampa, FL 33631-3512 To Report a Claim: You may call us 24 hours a day at 1-(888) CLM DEPT/1-(888)-256-3378. Or You may report a claim to your agent at the address and phone number above. Office Hours: 8:00am to 5:00pm (Eastern Time), Monday through Friday, except Holidays UPC INSURANCE = HOMEOWNERS POLICY NUMBER POLICY PERIOD rom oO UNITED PROPERTY & CASUALTY INS CO 06/30/2022 06/30/2023 PO Box 30763 UHV 3417814 08 12:01 am_ Eastern Standard Time Tampa, FL 33630-3763 at the mailing address shown below INSURED COPY Date Issued: 05/02/2022 INSURED: AGENT: 1003204 BAO NGUYEN AMG INSURANCE & FINANCIAL ANH PHAM SERVICES INC 5839 SANDY POINTE DR 5706 CLARK RD SARASOTA FL 34233 SARASOTA FL 34233-3302 Telephone: 941-922-7687 Telephone: 941-924-2700 Property Address: 5839 SANDY POINTE DR, SARASOTA FL 34233 This is a Bill INST DATE TRANSACTION AMOUNT o1 04/29/2022 Renewal Premium $2,721.00 o1 04/29/2022 Fee $27.00 AMOUNT DUE: $ 2,748.00 PAYMENT DUE 06/30/2022 POLICY BALANCE $ 2,748.00 IMPORTANT NOTICE: FOR COVERAGE TO CONTINUE, YOUR PAYMENT MUST REACH OUR OFFICE BY THE DUE DATE. IF PAYMENT IS NOT RECEIVED ON OR BEFORE THAT DATE, THIS POLICY WILL NOT BE IN FORCE. PREMIUM NOTICE-INSURED Please mail payment to the address below or to make an electronic payment, log onto www.upcinsurance.com. *k***k*DETACH HERE*##A a eee eee es es HHKEKEKKEKERDO NOT PHOTOCOPY# ## RHA RR Payment must be received on or before due date to avoid cancellation. For any billing questions, please call 800-295-8016. If you have questions concerning your coverage, please contact your agent listed above. A PAYMENT PLAN IS AVAILABLE - PLEASE CONTACT YOUR AGENT IF INTERESTED. POLICY NUMBER: UHV 3417814 08 EFFECTIVE DATE: 06/30/2022 AMOUNT DUE NOW $2,748.00 LOAN NUMBER: 1427971443 AGENT: 1003204 PLEASE REMIT PAYMENT TO: BAO NGUYEN UPC Insurance ANH PHAM P.O. Box 31512 5839 SANDY POINTE DR Tampa, FL 33631-3512 SARASOTA FL 34233 UPCOOOLUHV341781L4080b30220b30e200002748000 UPC 113 1004 UPCZCS INSURANCE Dear UPC Policyholder, UPC Insurance is pleased to enclose your renewal policy. We urge you to review it and become familiar with the coverages and limits for which you are insured. Should you have questions or desire changes, please call your agent listed in the upper right hand corner of your policy for assistance. Your agent will be happy to clarify any coverage or premium concerns. Also, please note that your homeowners policy does not cover flood. Only a Flood Insurance Policy covers flood. As you look over your renewal, we want to make you aware of UPC’s easy-to-pay installment premium plans. In the event of a loss, UPC wants to be able to respond to your policy, so it is very important that your premium payments are made on time. The renewal premium on your policy can be paid in any one of the following ways: Type of 1% Payment Due 2™ Payment 3" Payment 4" Payment Due Installment Payment Due Due Charges One Pay 20 days prior to None Option the renewal date of the policy Two Pay 20 days prior to 60 days after $3 each Option the renewal the inception installment date of the date of the ($6 total) policy renewal policy Three Pay 20 days prior to 60 days after 120 days after $3 each Option the renewal the inception the inception installment date of the date of the date of the ($9 total) policy renewal policy renewal policy Four Pay 20 days prior to 60 days after 120 days after 180 days after $3 each Option the renewal the inception the inception the inception installment date of the date of the date of the date of the ($12 total) policy renewal policy renewal policy renewal policy Eleven Pay 11 equal monthly installments, automatically deducted from your bank $1 each Option account installment {$11 total) Quarterly 20 days prior to 90 days after 180 days after 270 days after $3 each the renewal the inception the inception the inception installment date of the date of the date of the date of the ($12 total) policy renewal policy renewal policy renewal policy Semiannual 20 days prior to 180 days after $3 each the renewal the inception installment date of the date of the ($6 total) policy renewal policy It is important to check your policy to see how your payment plan is set up. Call your agent if you need to change to another one of our easy payment options. You can disregard this notice if your Mortgagee collects your premium via escrow and pays your premium for you. Finally, should you have a homeowner claim this year; you should report it by calling 800-861-4370 or 727-895-7737. You can also report a loss by accessing www.upcinsurance.com, click on Policyholders, then click on Click Here to Submit a Claim on an Existing Homeowners or Dwelling Fire Policy and follow the directions. We thank you for allowing UPC to provide your Florida homeowners policy. We value the trust you have placed in us and we encourage you to visit our website at www.upcinsurance.com to learn more about our company. WWW.UPCINSURANCE.COM 11/2014 UPCC® INSURANCE the Keep Promise NOTICE OF CHANGE IN POLICY TERMS We are sending this Notice of Change in Policy Terms to inform you about important changes to your Policy. A brief overview of the changes is described below; however, it is important for you to read all the enclosed documents to fully understand these changes. |f you have any questions or have any changes that may affect your Policy or coverage, please contact your agent at the number shown in your Declarations. We appreciate your business, and we value you as a customer. Thank you for choosing UPC for your insurance needs. Endorsements Endorsements may restrict or broaden coverage pertaining to your Homeowner’s Policy. We have introduced or amended the following endorsements that apply to your Policy: UPC 191 06 21 Special Provisions — Florida UPC 191 02 18 Special Provisions - Florida was part of your policy. It has been replaced by UPC 191 06 21 Special Provisions — Florida. The following changes affect your coverage: DEFINITIONS . We added a definition for “Reopened Claim” and defined it as: o A claim that an insurer has previously closed, but that has been reopened upon an “insured’s request for additional costs for loss or damage previously disclosed to the insurer. “ ‘Su We added a definition for Supplemental lemental Claim” Claim” and defined it as: o Acclaim for additional loss or damage from the same peril which the insurer has previously adjusted or for which costs have been incurred while completing repairs or replacement pursuant to an open claim for which timely notice was previously provided to the insurer. We added a definition for “Cl imant” and defined it as: o An “insured” who is filing suit under a residential or commercial property insurance policy. 1 Disputed Amount” and defined it as: We added a definition for —Uisputed Amount” o The difference between the “claimant’s “presuit settlement demand”, not including attorney fees and costs listed in the demand, and the insurer’s “presuit settlement offer”, not including attorney fees and costs, if part of the offer. We added a definition for “Presuit Settlement Demand” and defined it as: © The demand made by the “claimant” in the written notice of intent to initiate litigation as required by Florida law. The demand must include the amount of reasonable and necessary attorney fees and costs incurred by the “claimant”, to be calculated by multiplying the number of hours actually worked on the claim by the “claimant’s ” attorney as of the date of the notice by a reasonable hourly rate. We added a definition for “Presuit Settlement Offer” and defined it as: o The offer made by the insurer in its written response to the notice as required by Florida law. SECTION | - PROPERTY COVERAGES ° Coverage C - Personal Property o Amended item a. in 3. Special Limits Of Liability to include virtual currency of any kind including, but not limited to: digital currency, crypto currency, or any other type of electronic currency in the $200 special limit. NO14 UPC NCPT 06 15 Page 1 of 3 UPCZS INSURANCE Keep the Promises SECTION | - CONDITIONS . Legal Action Against Us ° Renamed from H. Suit Against Us to H. Legal Action Against Us o Language was added and amended outlining the requirement of the “claimant” to notify the Florida Department of Financial Services of intent to initiate litigation, the insurer’s responsibilities, and process by which the insurer will respond to the notice as required by Florida law. As a condition precedent to filing suit, you, the “claimant”, must provide the Florida Department of Financial Services written notice of your intent to initiate litigation. The notice must be provided at least 10 business days prior to filing suit and must contain the following information: . That the notice is provided pursuant to this section; . The alleged acts or omissions of the insurer giving rise to the suit, which may include a denial of coverage; If provided by an attorney or other representative, that a copy of the notice was provided to the “claimant”; If the notice is provided following a denial of coverage, an estimate of damages, if known; and If the notice is provided following acts or omissions by the insurer other than denial of coverage, both of the following: . The “presuit settlement demand”, which must itemize damages, attorney fees, and costs; and . The “disputed amount”. © This form outlines the insurer’s duties in responding to the notice: . A response will be provided by us within 10 business days after receiving the notice. If responding to a notice served following a denial of coverage, we will respond by accepting coverage, continuing to deny coverage, or asserting the right to reinspect the damaged property. . If we respond by asserting the right to reinspect, we have 14 business days after the response to reinspect and accept or continue to deny coverage. . Notice of Claim o Amended this section barring a claim or “reopened claim” for loss or damage caused by any peril unless notice is provided within 2 years after the date of loss. ° A “supplemental claim” is barred unless notice is provided within 3 years after the date of loss. ° Added clarification of the date of loss for claims resulting from hurricanes, tornadoes, windstorms, severe rain, or other weather-related events as required by Florida law. HO 043 06 21 - Water Damage Exclusion Endorsement If UPC 605 11 14 — Water Damage Exclusion Endorsement was part of your policy, it has been replaced with HO 043 06 21 - Water Damage Exclusion Endorsement. The following changes affect your coverage: . Clarified in opening paragraph that the deletion of Accidental Discharge Or Overflow Of Water Or Steam, under SECTION - PERILS INSURED AGAINST, applies to all forms and endorsements applicable to the policy. Added exclusion for constant repeated seepage regardless of source. Clarified the exclusion applies regardless of whether any of the items in the endorsement are caused by an act of nature or is otherwise caused. Direct loss by theft resulting from water damage is covered. NO14 UPC NCPT 06 15 Page 2 of 3 UPCZ® INSURANCE Keep the Promises Hi 1O 09 044 06 21 — Limited Water Damage Coverage Endorsement lf UPC 604 11 14 - Limited Water Damage Coverage Endorsement was part of your policy, it has been replaced with HO 09 044 06 21 - Limited Water Damage Coverage Endorsement. The following changes affect your coverage: . The limit includes the cost of trenching and tear out. . The limit includes the cost for Reasonable Emergency Measures. . Added clarification that we do not cover loss to the system from which the water escaped. . The limit applies to ensuing loss to covered property by a Peril Insured Against resulting from water damage; however, the limit will not apply when the ensuing loss to the covered property is caused by Fire, Explosion, Collapse, or “Fungi”, Wet Or Dry Rot, Or Bacteria. eee eee End of Notice of Change in Policy Terms ee This notice is for informational purposes only and is not intended to replace or amend any language within your contract. We encourage you to read your entire Policy. Thank you for being a customer. We appreciate your business! NO14 UPC NCPT 06 15 Page 3 of 3 UPCCS INSURA HOMEOWNERS POLICY NUMBER DECLARATIONS POLICY PERIOD UNITED PROPERTY & CASUALTY INSURANCE CO ‘rom ‘o PO Box 30763 UHV 3417814 08 01 06/30/2022 06/30/2023 Tampa, FL 33630-3763 12:01 a, m. at the residence premises. RENEWAL DECLARATION Effective: 06/30/2022 Date Issued: 04/29/2022 INSURED: AGENT: 1003204 BAO NGUYEN AMG INSURANCE & FINANCIAL ANH PHAM SERVICES INC 5839 SANDY POINTE DR 5706 CLARK RD SARASOTA FL 34233 SARASOTA FL 34233-3302 Telephone: 941-922-7687 Telephone: 941-924-2700 The residence premises covered by this policy is located at the address listed below. 5839 SANDY POINTE DR, SARASOTA FL 34233 IF PAYMENT IS NOT RECEIVED ON OR BEFORE THE POLICY RENEWAL EFFECTIVE DATE, THIS POLICY WILL NOT BE IN FORCE. Coverage is provided where premium and limit of liability is shown. Flood coverage is not provided and is not a part of this policy. SECTION I COVERAGE LIMIT OF LIABILITY PREMIUMS A. DWELLING $435,000.00 $2,646.00 C. PERSONAL PROPERTY $108,892.00 -$272.00 D. LOSS O $87,000.00 INCLUDED SECTION Il COVERAGE E. PERSONAL LIABILITY $300,000.00 $18.00 F, MEDICAL PAYMENTS $1,000.00 INCLUDED OPTIONAL COVERAGES Continued on Optional Coverages Schedule Premium charge for Hurricane Exposure: $1,830.00 Hurricane Deductible per calendar year: $8,700 / 2% of Coverage A Sinkhole Deductible per sinkhole loss: $43,500 / 10% of Coverage A All Other Peril Deductible: $2,500 TOTAL POLICY PREMIUM INCLUDING ASSESSMENTS AND ALL SURCHARGES: $2,748.00 The amount of premium change due to approved rate change is 144.00 The amount of premium change due to coverage change is 88.00 COVERAGES HAVE BEEN INCREASED TO HELP KEEP PACE WITH RISING REPLACEMENT COST. PLEASE CONTACT YOUR AGENT IF THERE ARE ANY QUESTIONS PERTAINING TO YOUR POLICY. FORMS AND ENDORSEMENTS HO 0003 (05/11) HO 0334 (05/13) COUNTERSIGNED DATE 04/29/2022 HO 0350 (06/97) HO 0355 (05/13) HO 0446 (10/00) HO 0496 (04/91) HO 0477 (10/00) HO 2370 Continued on Forms Schedule (05/13) BY Ape ADDITIONAL INTERESTS MORTGAGEE 1427971443 AIM LOAN.COM | A PO BOX 961 FORT WORTH TX 76161-0292 UPC 101 01 19 INSURED COPY Page 1 of 5 UPCCS INSURANCE HOMEOWNERS POLICY NUMBER DECLARATIONS POLICY PERIOD UNITED PROPERTY & CASUALTY INS CO From To PO Box 30763 UHV 3417814 08 01 06/30/2022 sone, 20/30/2023 Tampa, FL 33630-3763 :01 a.m. at the residenca RENEWAL DECLARATION Effective: 06/30/2022 Date Issued:04/29/2022 INSURED: AGENT: 1003204 BAO NGUYEN AMG INSURANCE & FINANCIAL ANH PHAM SERVICES INC 5839 SANDY POINTE DR 5706 CLARK RD SARASOTA FL 34233 SARASOTA FL 34233-3302 Telephone: 941-922-7687 Telephone: 941-924-2700 The residence premises covered by this policy is located at the above insured address unless otherwise stated below: 5839 SANDY POINTE DR, SARASOTA FL 34233 Premium: SECTION I, SECTION II AND OPTIONAL PREMIUMS $2,703.00 EMERGENCY MANAGEMENT TRUST FUND SURCHARGE $2.00 MANAGING GENERAL AGENCY (MGA) POLICY FEE $25.00 FL INS GUAR ASSOC ASSESS. $18.00 TOTAL POLICY PREMIUM INCLUDING ASSESSMENTS AND ALL SURCHARGES $2,748.00 NOTE: The portion of your premium for Hurricane Coverage is: $1,830.00 The portion of your premium for All Other Coverages is: $873.00 An adjustment of 0% is included to reflect the Building Code grade for your area. Adjustments range from 1% surcharge to 46.1% credit. Your policy includes endorsement HO 04 46 Inflation Guard - which automatically increases the amount of Dwelling Coverage by the annual percentage amount shown below. Therefore, your hurricane deductible may be higher than indicated on the policy when a hurricane loss occurs due to application of this endorsement. FLOOD CARRIER N/A FLOOD ZONE N/A BFE N/A LFE N/A FORM TYPE HO-3 YEAR BUIL 991 TOWN/ROW HOUSE N/A CONSTRUCT TYPE M CONSTRUCT SUPERIOR NUMBER OF FAMILIES 00001 AOP TERRITORY 715 PROTECTION CLASS 02 USE COl MUNICIPAL CODE 999999 COUNTY COD 115 PROT DEVICE/BURGLAR PROT DEVICE/FIRE N PROT DEV/SPRINKLER PROT DEV/SHUTTER WIND/HAIL EXCLUSION N REPLACEMENT COST OCCUPANCY CODE OWNER FLOOD CREDIT N SINKHOLE COVERAGE | WIND TERRITORY 715A WATER PREVENTION CR N INFLATION GUARD 4% UPC 10101 19 INSURED COPY Page 2 of 5 UPCCS INSURANCE HOMEOWNERS POLICY NUMBER DECLARATIONS POLICY PERIOD UNITED PROPERTY & CASUALTY INS CO ‘rom PO Box 30763 UHV 3417814 08 01 6/30/2022. 06/30/2023 Tampa, FL 33630-3763 an. at the RENEWAL DECLARATION Effective: 06/30/2022 Date Issued: 04/29/2022 INSURED AGENT: 1003204 BAO NGUYEN AMG INSURANCE & FINANCIAL ANH PHAM. SERVICES INC 5839 SANDY POINTE DR 5706 CLARK RD SARASOTA FL 34233 SARASOTA FL 34233-3302 Telephone: 941-922-7687 Telephone: 941-924-2700 The residence premises covered by this policy is located at the above insured address unless otherwise stated below: 5839 SANDY POINTE DR, SARASOTA FL 34233 W AND ORDINANCE: LAW AND ORDINANCE COVERAGE IS AN IMPORTANT_ COV REHASE PLEASE DISCUSS WITH YOUR INSURANCE FLOOD INSURANCE. YOU MAY ALSO. NEED TO CONSIDER THE E OF OOD WNER’S INSURANCE POLICY DOES NOT NNELUDE ERA DAMAGE RESULTIN IF HURRICANE WINDS AND RAIN CAUSED THE ELOOD TO OCCUR ITHOUT SEPARATE FLOO INS NC SNC OVERED LOSSES Aan BY FLOOD. PLEASE DISCUSS PA FLOOD INSURANCE COVERAGE WITH YOUR INSURANCE AGE rs fouicy CONTAINS A SEPARATE DEDUCTIBLE FOR URRICA MAY RESULT IN HIGH GULOE. POCKET EXPENSES TO YO A rate adjustment of 70% of wind premium is included to reflect the windstorm mitigation features of your dwelling. Adjustments range from 0% to 89% credit subject to verification that your home meets the windstorm mitigation characteristics of the 2001 Florida Building Code. IN CASE OF A LOSS TO COVERED PROPERTY, YOU MUST TAKE REASONABLE EMERGENCY MEASURES SOLELY TO PROTECT THE PROPERTY FROM FURTHER DAMAGE IN ACCORDANCE WITH THE POLICY PROVISIONS (MAY NOT EXCEED THE GREATER OF $3000 OR 1% OF YOUR COVERAGE A LIMIT OF LIABILITY UNLESS YOU CALL US FIRST AND RECEIVE OUR APPROVAL). PROMPT NOTICE OF THE LOSS MUST BE GIVEN TO US OR YOUR INSURANCE AGENT. EXCEPT FOR REASONABLE EMERGENCY MEASURES, THERE IS NO COVERAGE FOR REPAIRS THAT BEGIN BEFORE THE EARLIER OF - (A) 72 HOURS AFTER WE ARE NOTIFIED OF THE LOSS, (B) THE TIME OF LOSS INSPECTION BY US, OR (C) THE TIME OF OTHER APPROVAL BY US. TO REPORT A LOSS OR CLAIM CALL 1(888) 256-3378. AkRiRaRAR RIE Additional Information This replaces all previously issued policy declarations, if any. The declarations page together with all policy provisions and any other applicable endorsements completes your policy. UPC 101 01 19 INSURED COPY Page 3 of 5 UPCCS INSURANCE HOMEOWNERS POLICY NUMBER BeetanaTion| pou’ PERICD UNITED PROPERTY & CASUALTY INS CO PO Box 30763 UHV 3417814 08 01 06/30/2022 06/30/2023 Tampa, FL 33630-3763 12:01 a.m. at the residence premises. OPTIONAL COVERAGES SCHEDULE (continued from page 1) Coverage Type Description Limit Premium ORDINANCE OR LAW % INCREASE $108,750.00 INCLUDED LIMITED SCREEN ENCLOSURE & $10,000.00 $371.00 UPC 101 01 19 INSURED COPY Page 4 of 5 UPC’ INSURANCE HOMEOWNERS POLICY NUMBER DECLARATIONS Poucy cena UNITED PROPERTY & CASUALTY INS CO PO Box 30763 UHV 3417814 08 01 96) (30/2022 06/30/2023 Tampa, FL 33630-3763 ’2.m. at the residence premises. FORMS SCHEDULE (continued from page 1) HO 2386 (05/13) * HPINSTALL (11/14) *N003 (04/19) * OIRB11655 (02/10) * OIRB11670 (01/06) *UPC 105 (07/14) UPC 112 (08/99) *UPC 155 (01/06) * UPC 160 (10/05) UPC 164 (06/06) UPC 174 (09/06) UPC 176 (10/12) UPC 187 (05/12) *UPC 191 (06/21) UPC 192 (07/14) UPC 601 (02/14) UPC 602 (02/14) UPC 603 (02/18) *UPCNCPT (06/15) UPC 101 01 19 INSURED COPY Page 5 of 5 Privacy Notice Protecting the privacy and confidentiality of information about our customers is very important to us. While information is the cornerstone of our ability to provide superior insurance products, our most important asset is our customers’ trust. Accordingly, we limit the collection and use of customer information to the minimum we require in delivering superior products and services. This Privacy Notice includes examples of the types of nonpublic personal information we collect and the kinds of companies with whom we may share such information. You do not need to do anything in response to this notice. This notice is merely to inform you about how we safeguard your information. Information We Collect We know that you expect us to conduct and process your business in a manner that is both accurate and efficient. To do so, we gather nonpublic personal information about you, as permitted by law, that is pertinent to the underwriting or claims investigation process, such as: . Your name, address, telephone number, social security number, age, and employer; . Prior insurance coverage, claims history, premiums, and payment history; . Information from consumer reporting agencies, public records, and data collection agencies; . Data from consumer electronic devices in relation to the underwriting or claims investigation process. Information We May Disclose In general, we do not disclose any nonpublic personal information about our customers or former customers to anyone, except for information that we may be required by law to disclose. We may however, disclose nonpublic personal information to third-parties who provide customer service or other administrative services for your account. We may also disclose your nonpublic personal information to companies that provide marketing services on our behalf or to other companies whom with we have joint marketing agreements, as permitted by law. Additionally, we may also disclose nonpublic personal information to affiliates, which may include, auditors, attorneys, Certified Public Accountants, investment companies, underwriters, and others who perform business or professional services to our company. We require all third-party service providers to keep your information confidential and protected, and to maintain safeguards which comply with all applicable regulatory standards to guard your nonpublic personal information against unauthorized disclosure. Finally, we may disclose information in response to requests from law enforcement or other governmental agencies or state insurance regulatory authorities. We are required by law to honor these requests. Security of Your Informatio: To safeguard your nonpublic personal information, we limit access to our customers’ nonpublic personal information to only those employees who need access to the information to perform their job functions. Additionally, we insist that the third-parties that perform services for us limit access to your personal information to authorized employees and agents, and maintain appropriate administrative, physical, electronic and procedural safeguards. Additionally, these third parties are under contractual obligations of confidentiality to us and are not permitted to use your data for any other purposes than the services they are performing for us. Personal Information Accessibility and Correction If you are a resident of Connecticut, Georgia, New Jersey, or North Carolina, you have the right to access and correct the personal information that we have collected from or about you. Please contact us and we will make necessary changes. If the information was provided to us by a third party (such as a credit rating agency) we will provide you with the third party's contact information. If you do not live in one of the aforementioned states, we will always take reasonable steps to verify the accuracy of your personal information in our records. N 003 04 19 Page 1 of 2 Changes to this Privacy Notic We reserve the right to modify this Privacy Notice at any time. If we make material changes, we will provide a revised Privacy Notice. If we modify this Privacy Notice such that the use of your personally identifiable information is different from what was stated in our Privacy Notice at the time your data was ollected, we will notify you. You will be able to opt out of any new uses of your previously disclosed information. Your information will be used in accordance with the Privacy Notice in effect when your information was collected. The UPC Website Our website also has a privacy notice, which can be found on our website via the following link. https://www.upcinsurance.com/legal. Always be aware of the risks when transmitting nonpublic personal information over the internet. Our Privacy Notice applies to the following affiliates in the UPC Insurance® family of companies: United Insurance Holdings Corp. Family Security Holdings, LLC AmCo Holding Company, LLC United Property & Casualty Insurance Company American Coastal Insurance Company Family Security Insurance Company, Inc. Interboro Insurance Company Journey Insurance Company United Insurance Management, L.C. Skyway Reinsurance Services, LLC Skyway Claims Services, LLC Skyway Legal Services, LLC Skyway Technologies, LL