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Filing # 46336533 E-Filed 09/12/2016 04:22:37 PM
11‘* JUDICIAL CIRCUIT IN AND FOR
MIAMI-DADE COUNTY, FLORIDA
CLARA TORRES,
Plaintiff, CASE NO. 2016-013244 CC-05
VS.
CERTAIN UNDERWRITERS AT LLOYD’S
OF LONDON SUBSCRIBING TO POLICY
NO. CHO6 47393,
Defendant, /
DEFENDANT’S RESPONSE TO PLAINTIFE’S FIRST REQUEST FOR
PRODUCTION SERVED WITH THE SUMMONS AND COMPLAINT
The Defendant, CERTAIN UNDERWRITERS AT LLOYD’S OF LONDON
SUBSCRIBING TO POLICY NO. CHO6 47393 (hereinafter “LLOYD’S”), appearing by
and through undersigned counsel files this, its Response to Plaintiff’s first Request for
Production served with the Summons and Complaint, and alleges as follows:
1. A true, correct and complete copy of the insurance contract issued by
Defendant to Plaintiff under Certificate No. CHO6 47393, with effective dates June 8, 2015
through June 8, 2016, is attached as Exhibit “1,” to Defendant’s Answer and Affirmative
Defenses.
2. All such documents are attached to Plaintiffs copy of this response.
3. All such documents are attached to Plaintiff’s copy of this response.
4, All such documents are attached to Plaintiff's copy of this response.
5. All such documents are attached to Plaintiffs copy of this response.
6. Objection: Privileged. American Reliance Insurance Company v. Rosemont
Condominium Homeowner's Association, Inc., 671 So. 24250 (Fla. 3d DCA 1996); Federal
1.
Law Offices of Clinton D. Flagg, P.A.
9155 South Dadeland Boulevard * Suite 1400, Dadeland Centre I * Miami, Florida 33156
Telephone: (305) 669-0506 + Facsimile: (305) 669-8980
website: www. flagg-law.com
00209583.WPD;1CASE NO.2016-13244-CC-05
Insurance Company v. Hall, 708 So. 2d 976 (Fla, 3d DCA 1998); State Farm y. Gallmon,
835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d
DCA 1995). Privilege Log: The field adjuster prepared a report concerning his inspection of
the insured property.
7. Objection: Privileged. American Reliance Insurance Company v. Rosemont
Condominium Homeowner's Association, Inc., 671 So, 24250 (Fla. 3d DCA 1996); Federal
Insurance Company v. Hall, 708 So, 2d 976 (Fla, 3d DCA 1998); State Farm v. Gallmon,
835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d
DCA 1995), Privilege Log: The field adjuster obtained 33 photographs of the insured
property on October 14, 2015.
8. A CD containing the recorded statement of Plaintiff obtained by the field
adjuster on October 14, 2015 is attached to Plaintiff's copy of this response. Otherwise:
None.
9, Objection: Privileged. American Reliance Insurance Company v, Rosemont
Condominium Homeowner’s Association, Inc., 671 So, 2d 250 (Fla. 3d DCA 1996); Federal
Insurance Company v., Hall, 708 So. 24 976 (Fla. 3d DCA 1998); State Farm v. Gallmon,
835 So, 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So, 2d 1012 (Fla. 3d
DCA 1995), Privilege Log: Defendant has not performed any inspections of the insured
property other than by the field adjuster on October 14, 2015.
10. Objection: Privileged. American Reliance Insurance Company v. Rosemont
-2-
Law Offices of Clinton D, Flagg, P.A.
9155 South Dadeland Boulevard * Suite 1400, Dadeland Centre I + Miami, Florida 33156
‘Telephone: (305) 669-0506 + Facsimile: (305) 669-8980
website: www. flage-law.com
00209583.WPD;1CASE NO.2016-13244-CC-05
Condominium Homeowner's Association, Inc., 671 So. 24250 (Fla. 3d DCA 1996); Federal
Insurance Company v. Hall, 708 So, 2d 976 (Fla. 3d DCA 1998); State Farm v. Gallmon,
835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d
DCA 1995). Privilege Log: None.
11. Objection: Privileged. American Reliance Insurance Company v. Rosemont
Condominium Homeowner's Association, Inc., 671 So. 2d 250 (Fla. 3d DCA 1996); Federal
Insurance Company vy. Hall, 708 So, 2d 976 (Fla, 3d DCA 1998); State Farm v. Gallmon,
835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d
DCA 1995). Privilege Log: Defendant maintains a claim file regarding Plaintiff’s loss
which was created and maintained in anticipation of litigation.
12. Objection: Privileged. American Reliance Insurance Company v, Rosemont
Condominium Homeowner's Association, Inc., 671 So, 24 250 (Fla. 3d DCA 1996); Federal
Insurance Company v. Hall, 708 So, 24 976 (Fla. 3d DCA 1998); State Farm v. Gallmon,
835 So, 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d
DCA 1995), Privilege Log: Defendant maintains an underwriting file regarding Plaintiff's
risk.
13. Objection: Privileged. American Reliance Insurance Company v. Rosemont
Condominium Homeowner's Association, Inc., 671 So, 24250 (Fla. 3d DCA 1996); Federal
Insurance Company v. Hall, 708 So, 2d 976 (Fla, 3d DCA 1998); State Farm v. Gallmon,
835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d
3-
Law Offices of Clinton D. Flagg, P.A.
9155 South’Dadeland Boulevard * Suite 1400, Dadeland Centre I * Miami, Florida 33156
‘Telephone: (305) 669-0506 + Facsimile: (305) 669-8980
website: www. flagg-law.com
00209583.WPD;1CASE NO.2016-13244-CC-05
DCA 1995). Privilege Log: An underwriting inspection was performed at or about the time
the policy was issued. The inspection consists of a photograph of the exterior of the high rise
condominium wherein Plaintiff occupies Unit 931.
14. All such documents are attached to Plaintiffs copy of this response.
15. Objection: Privileged. American Reliance Insurance Company v, Rosemont
Condominium Homeowner's Association, Inc., 671 So. 24.250 (Fla. 3d DCA 1996); Federal
Insurance Company y. Hall, 708 So. 2d 976 (Fla. 3d DCA 1998); State Farm v. Gallmon,
835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d
DCA 1995). Privilege Log: Defendant made payments to Mills, Mchr & Associates in its
capacity as third-party administrators and also issued payment to Mills, Mehr & Associates
for the field adjuster’s time spent investigating and adjusting the Plaintiff's loss. Otherwise:
None.
16, Defendant’s affirmative defenses are based upon the Terms, Conditions,
Exclusions and Endorsements contained in the insurance contract and are otherwise self
explanatory.
17. Objection: Privileged. American Reliance Insurance Company v. Rosemont
Condominium Homeowner's Association, Inc., 671 So. 24 250 (Fla. 3d DCA 1996); Federal
Insurance Company v, Hail, 708 So. 2d 976 (Fla. 3d DCA 1998); State Farm v. Gallmon,
835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v, Valido, 662 So. 2d 1012 (Fla. 3d
DCA 1995). Privilege Log: None at this time.
4.
Law Offices of Clinton D. Flagg, P.A.
9155 South Dadeland Boulevard * Suite 1400, Dadeland Centte I + Miami, Florida 33156
Telephone: (305) 669-0506 * Facsimile: (305) 669-8980
website: www. flagg-law.com
00209583, WPD;1CASE NO.2016-13244-CC-05
18. Defendant anticipated litigation upon receipt of notice of the Plaintiff's claim.
19. None as Section 627.7015, Florida Statutes, does not apply to this Defendant
which is a surplus lines insurer in the state of Florida.
20. Please see the privilege log incorporated in the above response,
CERTIFICATE OF SERVICE
THEREBY CERTIFY that on this 12" day of September, 2016 a true and correct copy
of the foregoing was electronically filed with the Clerk of the Courts by using the State of
Florida E-Portal system, which will send an electronic notice together with a copy of this
filing to: Scott Klotzman, Law Offices of Scott Klotzman, P.A., Attorneys for Plaintiff, at
Email: Primary: eservice@sklotzman.com and Secondary: mi@sklotzman.com.
LAW OFFICE OF CLINTON D. FLAGG, P.A.
Attorneys for LLOYD’S
Suite 1400, Dadeland Centre I
9155 South Dadeland Blvd.
Miami, Florida 33156
Telephone No. (305) 669-0506
Fax: (305) 669-8980
Email: cflagg@flagg-law.com
Secondary: einsignares@flagg-law.com
By; /s/Clinton D, Flagg, Esq.
CLINTON D. FLAGG, ESQ.
Florida Bar No. 304761
5.
Law Offices of Clinton D. Flagg, P.A.
9155 South Dadeland Boulevard + Suite 1400, Dadeland Centre I * Miami, Florida 33156
Telephone: (305) 669-0506 * Facsimile: (305) 669-8980
website: www. flagg-law.com
00209583.WPD;1
Preview
Filing # 46336533 E-Filed 09/12/2016 04:22:37 PM 11‘* JUDICIAL CIRCUIT IN AND FOR MIAMI-DADE COUNTY, FLORIDA CLARA TORRES, Plaintiff, CASE NO. 2016-013244 CC-05 VS. CERTAIN UNDERWRITERS AT LLOYD’S OF LONDON SUBSCRIBING TO POLICY NO. CHO6 47393, Defendant, / DEFENDANT’S RESPONSE TO PLAINTIFE’S FIRST REQUEST FOR PRODUCTION SERVED WITH THE SUMMONS AND COMPLAINT The Defendant, CERTAIN UNDERWRITERS AT LLOYD’S OF LONDON SUBSCRIBING TO POLICY NO. CHO6 47393 (hereinafter “LLOYD’S”), appearing by and through undersigned counsel files this, its Response to Plaintiff’s first Request for Production served with the Summons and Complaint, and alleges as follows: 1. A true, correct and complete copy of the insurance contract issued by Defendant to Plaintiff under Certificate No. CHO6 47393, with effective dates June 8, 2015 through June 8, 2016, is attached as Exhibit “1,” to Defendant’s Answer and Affirmative Defenses. 2. All such documents are attached to Plaintiffs copy of this response. 3. All such documents are attached to Plaintiff’s copy of this response. 4, All such documents are attached to Plaintiff's copy of this response. 5. All such documents are attached to Plaintiffs copy of this response. 6. Objection: Privileged. American Reliance Insurance Company v. Rosemont Condominium Homeowner's Association, Inc., 671 So. 24250 (Fla. 3d DCA 1996); Federal 1. Law Offices of Clinton D. Flagg, P.A. 9155 South Dadeland Boulevard * Suite 1400, Dadeland Centre I * Miami, Florida 33156 Telephone: (305) 669-0506 + Facsimile: (305) 669-8980 website: www. flagg-law.com 00209583.WPD;1CASE NO.2016-13244-CC-05 Insurance Company v. Hall, 708 So. 2d 976 (Fla, 3d DCA 1998); State Farm y. Gallmon, 835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d DCA 1995). Privilege Log: The field adjuster prepared a report concerning his inspection of the insured property. 7. Objection: Privileged. American Reliance Insurance Company v. Rosemont Condominium Homeowner's Association, Inc., 671 So, 24250 (Fla. 3d DCA 1996); Federal Insurance Company v. Hall, 708 So, 2d 976 (Fla, 3d DCA 1998); State Farm v. Gallmon, 835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d DCA 1995), Privilege Log: The field adjuster obtained 33 photographs of the insured property on October 14, 2015. 8. A CD containing the recorded statement of Plaintiff obtained by the field adjuster on October 14, 2015 is attached to Plaintiff's copy of this response. Otherwise: None. 9, Objection: Privileged. American Reliance Insurance Company v, Rosemont Condominium Homeowner’s Association, Inc., 671 So, 2d 250 (Fla. 3d DCA 1996); Federal Insurance Company v., Hall, 708 So. 24 976 (Fla. 3d DCA 1998); State Farm v. Gallmon, 835 So, 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So, 2d 1012 (Fla. 3d DCA 1995), Privilege Log: Defendant has not performed any inspections of the insured property other than by the field adjuster on October 14, 2015. 10. Objection: Privileged. American Reliance Insurance Company v. Rosemont -2- Law Offices of Clinton D, Flagg, P.A. 9155 South Dadeland Boulevard * Suite 1400, Dadeland Centre I + Miami, Florida 33156 ‘Telephone: (305) 669-0506 + Facsimile: (305) 669-8980 website: www. flage-law.com 00209583.WPD;1CASE NO.2016-13244-CC-05 Condominium Homeowner's Association, Inc., 671 So. 24250 (Fla. 3d DCA 1996); Federal Insurance Company v. Hall, 708 So, 2d 976 (Fla. 3d DCA 1998); State Farm v. Gallmon, 835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d DCA 1995). Privilege Log: None. 11. Objection: Privileged. American Reliance Insurance Company v. Rosemont Condominium Homeowner's Association, Inc., 671 So. 2d 250 (Fla. 3d DCA 1996); Federal Insurance Company vy. Hall, 708 So, 2d 976 (Fla, 3d DCA 1998); State Farm v. Gallmon, 835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d DCA 1995). Privilege Log: Defendant maintains a claim file regarding Plaintiff’s loss which was created and maintained in anticipation of litigation. 12. Objection: Privileged. American Reliance Insurance Company v, Rosemont Condominium Homeowner's Association, Inc., 671 So, 24 250 (Fla. 3d DCA 1996); Federal Insurance Company v. Hall, 708 So, 24 976 (Fla. 3d DCA 1998); State Farm v. Gallmon, 835 So, 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d DCA 1995), Privilege Log: Defendant maintains an underwriting file regarding Plaintiff's risk. 13. Objection: Privileged. American Reliance Insurance Company v. Rosemont Condominium Homeowner's Association, Inc., 671 So, 24250 (Fla. 3d DCA 1996); Federal Insurance Company v. Hall, 708 So, 2d 976 (Fla, 3d DCA 1998); State Farm v. Gallmon, 835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d 3- Law Offices of Clinton D. Flagg, P.A. 9155 South’Dadeland Boulevard * Suite 1400, Dadeland Centre I * Miami, Florida 33156 ‘Telephone: (305) 669-0506 + Facsimile: (305) 669-8980 website: www. flagg-law.com 00209583.WPD;1CASE NO.2016-13244-CC-05 DCA 1995). Privilege Log: An underwriting inspection was performed at or about the time the policy was issued. The inspection consists of a photograph of the exterior of the high rise condominium wherein Plaintiff occupies Unit 931. 14. All such documents are attached to Plaintiffs copy of this response. 15. Objection: Privileged. American Reliance Insurance Company v, Rosemont Condominium Homeowner's Association, Inc., 671 So. 24.250 (Fla. 3d DCA 1996); Federal Insurance Company y. Hall, 708 So. 2d 976 (Fla. 3d DCA 1998); State Farm v. Gallmon, 835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v. Valido, 662 So. 2d 1012 (Fla. 3d DCA 1995). Privilege Log: Defendant made payments to Mills, Mchr & Associates in its capacity as third-party administrators and also issued payment to Mills, Mehr & Associates for the field adjuster’s time spent investigating and adjusting the Plaintiff's loss. Otherwise: None. 16, Defendant’s affirmative defenses are based upon the Terms, Conditions, Exclusions and Endorsements contained in the insurance contract and are otherwise self explanatory. 17. Objection: Privileged. American Reliance Insurance Company v. Rosemont Condominium Homeowner's Association, Inc., 671 So. 24 250 (Fla. 3d DCA 1996); Federal Insurance Company v, Hail, 708 So. 2d 976 (Fla. 3d DCA 1998); State Farm v. Gallmon, 835 So. 2d 389 (Fla. 2d DCA 2003); and State Farm v, Valido, 662 So. 2d 1012 (Fla. 3d DCA 1995). Privilege Log: None at this time. 4. Law Offices of Clinton D. Flagg, P.A. 9155 South Dadeland Boulevard * Suite 1400, Dadeland Centte I + Miami, Florida 33156 Telephone: (305) 669-0506 * Facsimile: (305) 669-8980 website: www. flagg-law.com 00209583, WPD;1CASE NO.2016-13244-CC-05 18. Defendant anticipated litigation upon receipt of notice of the Plaintiff's claim. 19. None as Section 627.7015, Florida Statutes, does not apply to this Defendant which is a surplus lines insurer in the state of Florida. 20. Please see the privilege log incorporated in the above response, CERTIFICATE OF SERVICE THEREBY CERTIFY that on this 12" day of September, 2016 a true and correct copy of the foregoing was electronically filed with the Clerk of the Courts by using the State of Florida E-Portal system, which will send an electronic notice together with a copy of this filing to: Scott Klotzman, Law Offices of Scott Klotzman, P.A., Attorneys for Plaintiff, at Email: Primary: eservice@sklotzman.com and Secondary: mi@sklotzman.com. LAW OFFICE OF CLINTON D. FLAGG, P.A. Attorneys for LLOYD’S Suite 1400, Dadeland Centre I 9155 South Dadeland Blvd. Miami, Florida 33156 Telephone No. (305) 669-0506 Fax: (305) 669-8980 Email: cflagg@flagg-law.com Secondary: einsignares@flagg-law.com By; /s/Clinton D, Flagg, Esq. CLINTON D. FLAGG, ESQ. Florida Bar No. 304761 5. Law Offices of Clinton D. Flagg, P.A. 9155 South Dadeland Boulevard + Suite 1400, Dadeland Centre I * Miami, Florida 33156 Telephone: (305) 669-0506 * Facsimile: (305) 669-8980 website: www. flagg-law.com 00209583.WPD;1