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Filing # 121611231 E-Filed 02/18/2021 10:02:43 AM
IN THE CIRCUIT COURT OF THE
EIGHTEENTH JUDICIAL CIRCUIT IN
AND FOR BREVARD COUNTY, FL
CASE NO. 05-2020-CA-024628
ANTHONY DAVIS JR.,
Plaintiff,
Vv.
SECURITY FIRST INSURANCE COMPANY
DBA SECURITY FIRST FLORIDA,
Defendant.
/
AMENDED COMPLAINT
Plaintiff, ANTHONY DAVIS JR., sues the Defendant, SECURITY FIRST
INSURANCE COMPANY DBA SECURITY FIRST FLORIDA, and alleges as follows:
1. This is an action for damages in excess of Thirty Thousand Dollars ($30,000.00),
exclusive of prejudgment interest, attorney’s fees, and costs.
2. Atall material times, Defendant was a corporation, duly authorized and licensed to
transact insurance business in the State of Florida. Defendant regularly conducted business,
had offices, and/or maintained agents for the transaction of its customary business in
Brevard County, Florida.
3. Plaintiff resides in Brevard County, Florida, and is otherwise sui juris.
4. Plaintiff's dwelling, located at 4835 Key Biscayne Drive, Titusville, FL 32780
(hereafter “the Property”), sustained covered losses due to water damage that was caused
by water from within a plumbing system that failed due to wear, tear, and deterioration.
5. Plaintiff notified Defendant of the damages.
6. Defendant assigned claim number 183125 to the loss.
Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
7. Defendant assigned a date of loss of September 9, 2019.
8. Defendant insured Plaintiff's dwelling, pursuant to policy number P004111407
(hereafter “the Policy’). A copy of the certified policy is attached hereto as Exhibit A.
9. The Policy, including the coverages to protect Plaintiff against the above loss,
was in full force and effect as to Plaintiff when Plaintiff's property was damaged.
10. Plaintiff complied with all conditions precedent to entitle Plaintiff to recover under
the Policy, or Defendant waived compliance with such conditions.
11. On January 30, 2020, Plaintiff submitted to Defendant an estimate from a
contractor ready to perform repairs to Plaintiff's home related to the covered losses.
Defendant failed or refused to pay the appropriate amount for the repairs.
12 . Defendant has failed to provide coverage for certain of Plaintiff's losses.
13 . As a result, Defendant has failed to pay for all of Plaintiff's losses.
14 . Defendant's failure to pay for all of Plaintiff's losses is a material breach of
contract.
15 . As aresult of Defendant's material breach of contract, it has become necessary
for Plaintiff to retain the services of the undersigned attorney.
WHEREFORE, Plaintiff demands judgment against Defendant for all losses with
interest on any overdue payments, plus attorney's fees and costs, pursuant to sections
627.428, 57.041, and 92.231, Florida Statutes, and demands a trial by jury.
Dated this 18” day of February, 2021.
/s/ Gi Kimmel
GINA KIMMEL, ESQ., Esquire
Florida Bar No. 0121929
Morgan & Morgan, P.A.
20 N. Orange Avenue, 4" Floor
Post Office Box 4979
Orlando, Florida 32802-4979
Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
Telephone: (407) 420-1414
Facsimile: (407) 245-3414
Primary email: GKimmel@forthepeople.com
Secondary email:SFloresrivera@forthepeople.com
LRolon@forthepeople.com
Attorneys for Plaintiff
GK/sfr
Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
EXHIBIT A
Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
Security First sre
.
insur cla Homes
STATE of FLORIDA
COUNTY of VOLUSIA
CLAIM# 183125
TIVA# P004111407
TERM — 05/22/2019 — 05/22/2020
Attached is a true and correct copy of the original Security First Insurance Company Policy of
Insurance, Policy Number P004111407, issued to the named Insured, Anthony Davis Jr with
effective dates of 05/22/2019 — 05/22/2020 with regard to all coverage forms and endorsements
listed on the Policy Declarations page. Due to the current pandemic with COVID-19, a certified
copy of this Policy of Insurance cannot be provided at this time but will be provided at a later
date.
DATE: June 9, 2020
SECURITY FIRST INSURANCE COMPANY
‘
Printed Name: Autumn J Condercuri
Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
Checklist of Coverage
Policy Type: Homeowner’s
(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.fidfs.com.
This form was adopted by the Florida Financial Services Commission.
Dwelling Structure Coverage (Place of Residence)
Limit of Insurance: $ $185,000 Loss Settlement Basis: Replacement Cost
(ie.: Replacement Cost, Actual Cash Value, Stated Value, etc).
Other Structures Coverage (Detached from Dwelling)
Limit of Insurance: $ $3,700 Loss Settlement Basis: Replacement Cost
(ie: Replacement Cost, Actual Cash Value, Stated Value, etc).
Personal Property Coverage
Limit of Insurance: $ $46,250 Loss Settlement Basis: Replacement Cost
(ie: Replacement Cost, Actual Cash Value, Stated Value, etc).
Deductibles
Annual Hurricane: $3,700 All Perils (Other Than Hurricane): $2,500
Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
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)
Fire or Lightning
Hurricane
Flood (Including storm surge)
Windstorm or Hail (other than hurricane)
Explosion
Riot or Civil Commotion
Aircraft
Vehicles
Smoke
Vandalism or Malicious Mischief
Theft
Falling Objects
Weight of Ice, Snow or Sleet
Accidental Discharge or Overflow of Water or Steam
[Sudden and Accidental Tearing Apart, Cracking , Burning or Bulging
Freezing
[Sudden and Accidental Damage from Artificially Generated Electrical Current
Volcanic Eruption
Sinkhole
i 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
(Ite is below marked Y (Yes) indicate coverage IS included, those marked N (No) indicate coverage is NOT_ included)
Shortest time required to
Additional Living Expense $18,500 epair/replace/relocate
Fair Rental Value
WV [civil Authority Prohibits Use $18,500 2 weeks maximum
Propet - Additional/Other Coverages
(tems below marked Y (Yes) indicate coverage IS Limit of Insurance JAmount of insurance is an additional amount of
included, those marked N (No) indicate coverage is Up to $185,000 coverage or is included within the policy limit.
Unless otherwise Included Additional
INOT included)
Noted
Debris Removal $9,250 Additional
Reasonable Repairs Included
Property Removed Included
Credit Card, Electronic Fund Transfer Card, or
$500 Additional
Access Device, Forgery and Counterfeit Money
Loss Assessment $1,000 Additional
Collapse Included
Glass or Safety Glazing Material Included
Landlord's Furnishings $2,500 Included
Law and Ordinance $46,250 Additional
Grave Markers Up to $46,250 Included
Mold / Fungi $10,000 Included
Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
OIR-B1-1670 (1-1-06) 20f3
Checklist of Coverage (continued)
Discounts
Dollar ($) Amount of Discount
(tems below marked Y (Yes) indicate discount |S applied, those
imarked N (No) indicate discount is NOT applied)
WN ]Multipte Policy
Ey
VV
Fire Alarm / Smoke Alarm / Burglar Alarm
Sprinkler
_JWindstorm Loss Reduction Jncluded in Base Premium
WN Building Code Effectiveness Grading Schedule
WN [other
Insurer May Insert Any. Other Property Coverage Below.
Limit of Insurance: Loss Settlement Basis:
(tems 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.)
INOT included)
Personal Liability Coverage
Limit of Insurance: $ $300,000
Medical Payments to Others Coverage
Limit of Insurance: $ $5,000
Liability - Additional/Other Coverages
(Items below marked Y (Yes) indicate coverage IS Limit of Insurance Amount of insurance is an additional amount of
coverage or is included within the policy limit.
included, those marked N (No) indicate coverage is
D Included Additional
Claim Expenses Additional
First Aid Expenses Additional
Damage to Property of Others $500 Additional
Loss Assessment $1,000 Additional
Insurer May Insert Any Other Liability Coverage Below
(Items below marked Y (Yes) indicate coverage |S included, those marked N (No) indicate Limit of Insurance
overage is NOT included)
Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
OIR-B1-1670 (1-1-06) 3 of 3
Your Policy Declarations
—_ Policy Type: Homeowners HO3.
Policy Number: P004111407
Security First Insurance Company Policy Effective Date: 05/22/2019 12:01 AM
P.O. Box 105651 Policy Expiration Date: 05/22/2020 12:01 AM
Atlanta, GA 30348 Amended: 07/17/2019 12:01 AM
Date Printed: 07/17/2019
PNerp Orel clas liolgutlicelty
GOOSEHEAD INSURANCE AGENCY LLC Total Premium Amount: $1,961.16
RYAN ROBERT ALTENHOF
1500 Solana Blvd Ste 4500
Westlake, TX 76262-1690 Hurricane Premium: $1,255.70
Non-Hurricane Premium: $678.47
Email: mailbox@goosehead.com Total Policy Premium before Fees: $1,934.16
Phone: (800) 474-1377 Total Policy Fees: $27.00
Agency ID: X05808 Agent License #: W106410 See additional premium detail on page 2
Named Insured: Anthony Davis JR
Mailing Address: 4835 KEY BISCAYNE DR, TITUSVILLE, FL 32780-6906
Email Address: anthony.davisjr@yahoo.com Phone: (407) 463-1672
COVERAGE IS PROVIDED WHERE A PREMIUM OR LIMIT OF LIABILITY IS SHOWN FOR THE COVERAGE
Insured Property Location 4835 KEY BISCAYNE DR, TITUSVILLE, FL 32780-6906 County: BREVARD.
Section |~- Property Coverages Limit Premium
Coverage A (Dwelling) $185,000 $1,765.06
Coverage B (Other Structures) $3,700 Included
Coverage C (Personal Property) Personal Property Replacement Cost Loss Settlement Included $46,250 Included
Coverage D (Loss of Use) $18,500 Included
Ordinance or Law 25% of CovA $119.10
Section il - Liability Coverages
Coverage E (Personal Liability) $300,000 $15.00
Coverage F (Medical Payments to Others) $5,000 $10.00
Amount
All Other Perils Deductible $2,500
Water Deductible $2,500
Hurricane Deductible $3,700 (2% of Cov A)
Endorsement Name Premium |
Water Damage Coverage: Limited Included
Limited Fungi Coverage Included |
Loss Assessment Coverage Included i
Water Back Up and Sump Overflow $25.00
Filing 1216 G24 Hos DEC 09 18, ANTHONY DAYS sbi BRS ttBlfahce Company 05-2020-CA-024628- XXX 4%
Endorsement Name Limit
Limited Fungi Coverage $10,000 per loss/$50,000 policy total ||
Limited Fungi Coverage Section II $50,000 |
Loss Assessment Coverage $1,000 i
Water Back Up and Sump Overflow $5,000 |
|
Water Damage Coverage: Limited $10,000 |
Amount
Hurricane Premium: $1,255.70
Non-Hurricane Premium $678.47
Nonrefundable Policy Fee Details
Managing General Agency Fee $25.00
Emergency Management Preparedness and Assistance Trust Fund Fee $2.00
Policy Fee Total: $27.00
Total Endorsement Premium: $403.16
Total Premium Amount: $1,961.16
Construction Type: Masonry 100% Protection Class: 04
Year Built: 1963 Territory: 8 / 009-C / 8/999
Usage Type: Primary Residence, Not Rented Building Code Effectiveness Grade: 99
Distance to Coast: 3,700.00 Opening Protection: None
Roof Shape: Gable Exclude Wind/Hail Coverage: No
Credits Surcharges
All Other Perils Deductible Credit
Hurricane Deductible Credit
Windstorm Loss Mitigation Credit
Protection Class Credit
Filey HEAGSS Bc 09 18 ANTHONY RAYAS ity BiSARSRHCE company 05-2020-CAD 24628; XXXX-XX
HO 00 03 04 91 Homeowners 3 Special Form
HO 04 10 10 00 Additional Interests
HO 04 96 04 91 No Section I! Liability Coverages for Home Day Care Business Limited Section | Property
Coverages For Home Day Care Business
OIR-B1-1655 02 10 Notice of Premium Discounts for Hurricane Loss Mitigation
OIR-B1-1670 01 06 Checklist of Coverage
SFI FL HO3 COV 03 17 Homeowners HO3 Table of Contents
SFI FL HO3 DN 03 18 HO3 Deductible Notification Form
SFI FL HO3 OTL 02 18 Homeowners Policy Outline of Coverages
SFI FL HO3 PRI 08 16 Privacy Policy
SFIV HO 09 04 90 01 06 Personal Property Replacement Cost Loss Settlement
SFIV HO 09 2370 01 06 Windstorm Exterior Paint or Waterproofing Exclusion Seacoast Florida
SFIV HO 09 CLP 01 06 Collapse Coverage
SFIV HO 09 ED 12 08 Existing Damage Exclusion Endorsement
SFIV HO 09 ELE 03 08 Unusual or Excessive Liability Exposure
SFIV HO 09 FCE 11 17 Limited Fungi, Mold, Wet or Dry Rot or Bacteria Coverage Endorsement
SFIV HO 09 HD 01 06 Hurricane Deductible Endorsement
SFIV HO 09 LWD 02 18 Limited Water Damage Coverage Discharge or Overflow
SFIV HO 09 OL1 06 15 Ordinance or Law Coverage
SFIV HO 09 WBU 03 17 Water Back Up and Sump Overflow
SFIV HO3 09 SP 02 18 Special Provisions for Florida
SFIV HO3 09 WD 09 12 Water Damage Exclusion Endorsement
Loan #: 2416004992 ||
|
Name: PrimeLending, a PlainsCapital Company ISAOA
Address: PO Box 796788
City: Dallas, State: TX Zip: 75379-6788
|
Filing 1216 Ye Hos DEC 09 18, ANTHONY DAYS shit BRS tfBlfahce Company 05-2020-CA-024628- XX 4%
THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES, WHICH MAY RESULT IN HIGH
OUT-OF-POCKET EXPENSES TO YOU.
LAW AND ORDINANCE: LAW AND ORDINANCE
COVERAGE IS AN IMPORTANT COVERAGE THAT YOU
MAY WISH TO PURCHASE. PLEASE DISCUSS WITH
YOUR INSURANCE AGENT.
FLOOD INSURANCE: YOU MAY ALSO NEED TO
CONSIDER THE PURCHASE OF FLOOD INSURANCE.
YOUR HOMEOWNER’S 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.
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.
Filey HEAGSS Bc 09 18 ANTHONY RAYAS ity BiSARSRHCE company 05-2020-CAD2AG 2 XXXX-XX
Co
Authorized Countersignature:
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.MySFl.com.
. To report an identity theft claim, call (800) 676-5696.
Filing 1216 Ye Hos DEC 09 18, ANTHONY DAYS shit BRS tfBlfahce Company 05-2020-CA-024628- XX 4%
HOMEOWNERS HO 00 03 04 91
HOMEOWNERS 3
SPECIAL FORM
AGREEMENT
We will provide the insurance described in this policy in return for the premium and compliance with all
applicable provisions of this policy.
DEFINITIONS
In this policy, "you" and "your" refer to the "named insured" shown in the Declarations and the spouse if a
resident of the same household. "We," "us" and "our" refer to the Company providing this insurance. In
addition, certain words and phrases are defined as follows:
1. "Bodily injury" means bodily harm, sickness or disease, including required care, loss of services and
death that results.
2. "Business" includes trade, profession or occupation.
3. "Insured" means you and residents of your household who are:
a. Your relatives; or
b. Other persons under the age of 21 and in the care of any person namedabove.
Under Section Il, "insured" also means:
With respect to animals or watercraft to which this policy applies, any person or organization legally
responsible for these animals or watercraft which are owned by you or any person included in 3.a. or
3.b. above. A person or organization using or having custody of these animals or watercraft in the
course of any "business" or without consent of the owner is not an"insured";
d. With respect to any vehicle to which this policy applies:
(1) Persons while engaged in your employ or that of any person included in 3.a. or 3.b. above; or
(2) Other persons using the vehicle on an "insured location" with your consent.
4. "Insured location" means:
a. The "residence premises";
b. The part of other premises, other structures and grounds used by you as a residence and:
(1) Which is shown in the Declarations; or
(2) Which is acquired by you during the policy period for your use as a residence;
c. Any premises used by you in connection witha premises in 4.a. and 4.b.above;
d. Any part of apremises:
(1) Not owned by an "insured"; and
(2) Where an "insured" is temporarily residing;
e. Vacant land, other than farm land, owned by or rented to an"insured”;
f. Land owned by or rented to an "insured" on which a one or two family dwelling is being built as a
residence for an "insured";
g. Individual or family cemetery plots or burial vaults of an "insured"; or
h. Any part of a premises occasionally rented to an "insured" for other than "business" use.
"Occurrence" means an accident, including continuous or repeated exposure to substantially the same
general harmful conditions, which results, during the policy period, in:
a. "Bodily injury"; or
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Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
b. "Property damage.”
6. "Property damage” means physical injury to, destruction of, or loss of use of tangible property.
7. "Residence employee" means:
a.An employee of an "insured" whose duties are related to the maintenance or use of the "residence
premises," including household or domestic services;or
b. One who performs similar duties elsewhere not related to the "business" of an "insured."
"Residence premises" means:
a. The one family dwelling, other structures, and grounds;or
b. That partof any other building;
where you reside and which is shown as the "residence premises" in the Declarations.
"Residence premises" also means a two family dwelling where you reside in at least one of the family
units and which is shown as the "residence premises" in the Declarations.
SECTION I - PROPERTY COVERAGES
COVERAGE A- Dwelling
We cover:
1. The dwelling on the "residence premises" shown in the Declarations, including structures attached to
the dwelling; and
2. Materials and supplies located on or next to the "residence premises" used to construct, alter or
repair the dwelling or other structures on the "residence premises."
This coverage does not apply to land, including land on which the dwelling is located.
COVERAGE B - Other Structures
We cover other structures on the "residence premises” set apart from the dwelling by clear space. This
includes structures connected to the dwelling by only a fence, utility line, or similar connection.
This coverage does not apply to land, including land on which the other structures are located.
We do not cover other structures:
1. Used in whole or in part for "business"; or
2. Rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private
garage.
The limit of liability for this coverage will not be more than 10% of the limit of liability that applies to Cover-
age A. Use of this coverage does not reduce the Coverage A limit of liability.
COVERAGE C - Personal Property
We cover personal property owned or used by an "insured" while it is anywhere in the world. At your
request, we will cover personal property owned by:
1. Others while the property is on the part of the "residence premises" occupied by an "insured";
2. A guest or a "residence employee," while the property is in any residence occupied by an
"insured."
Our limit of liability for personal property usually located at an "insured's" residence, other than the
"residence premises," is 10% of the limit of liability for Coverage C, or $1000, whichever is greater.
Personal property in a newly acquired principal residence is not subject to this limitation for the 30 days
from the time you begin to move the property there.
Special Limits of Liability. These limits do not increase the Coverage C limit of liability The special limit
for each numbered category below is the total limit for each loss for all property in that category.
1. $200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum,
coins and medals
2. $1000 on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank
notes, manuscripts, personal records, passports, tickets and stamps. This dollar limit applies to these
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Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
categories regardless of the medium (such as paper or computer software) on which the material
exists.
This limit includes the cost to research, replace or restore the information from the lost or damaged
material.
$1000 on watercraft, including their trailers, furnishings, equipment and outboard engines or motors.
$1000 on trailers not used with watercraft.
$1000 for loss by theft of jewelry, watches, furs, precious and semi-precious stones.
$2000 for loss by theft of firearms.
$2500 for loss by theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware.
This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or
pewter.
$2500 on property, on the "residence premises," used at any time or in any manner for any "business"
purpose.
$250 on property, away from the "residence premises," used at any time or in any manner for any
"business" purpose. However, this limit does not apply to loss to adaptable electronic apparatus as
described in Special Limits 10. and 11. below.
10.$1000 for loss to electronic apparatus, while in or upon a motor vehicle or other motorized land
conveyance, if the electronic apparatus is equipped to be operated by power from the electrical
system of the vehicle or conveyance while retaining its capability of being operated by other sources of
power. Electronic apparatus includes:
a. Accessories or antennas;or
b. Tapes, wires, records, discs or other media; for use with any electronic apparatus.
11.$1000 for loss to electronic apparatus, while not in or upon a motor vehicle or other motorized land
conveyance, if the electronic apparatus:
a. ls equipped to be operated by power from the electrical system of the vehicle or conveyance while
retaining its capability of being operated by other sources of power;
b. Is away from the "residence premises"; and
c. Is used at any time or in any manner for any "business" purpose.
Electronic apparatus includes:
a. Accessories and antennas; or
b. Tapes, wires, records, discs or other media; for use with any electronic apparatus.
Property Not Covered. We do not cover:
1 Articles separately described and specifically insured in this or other insurance;
2. Animals, birds or fish;
3. Motor vehicles or all other motorized land conveyances. This includes:
a. Their equipment and accessories; or
b. Electronic apparatus that is designed to be operated solely by use of the power from the electrical
system of motor vehicles or all other motorized land conveyances. Electronic apparatus includes:
(1) Accessories or antennas;or
(2) Tapes, wires, records, discs or other media; for use with any electronic apparatus.
The exclusion of property described in 3.a. and 3.b. above applies only while the property is in or
upon the vehicle or conveyance.
We do cover vehicles or conveyances not subject to motor vehicle registration which are:
a. Used to service an "insured's” residence; or
b. Designed for assisting the handicapped;
Aircraft and parts. Aircraft means any contrivance used or designed for flight, except model or hobby
aircraft not used or designed to carry people or cargo;
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Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
Property of roomers, boarders and other tenants, except property of roomers and boarders related to an
“insured”
Property in an apartment regularly rented or held for rental to others by an "insured," except as provided
in Additional Coverages 10.
Property rented or held for rental to others off the "residence premises"
"Business" data, including such data stored in:
a. Books of account, drawings or other paper records; or
b. Electronic data processing tapes, wires, records, discs or other software media;
However, we do cover the cost of blank recording or storage media, and of pre-recorded computer
programs available on the retail market; or
9. Credit cards or fund transfer cards except as provided in Additional Coverages 6.
COVERAGE D - Loss Of Use
The limit of liability for Coverage D is the total limit for all the coverages that follow.
1 If a loss covered under this Section makes that part of the "residence premises" where you reside not
fit to live in, we cover, at your choice, either of the following. However, if the "residence premises" is
not your principal place of residence, we will not provide the option under paragraph b. below.
a. Additional Living Expense, meaning any necessary increase in living expenses incurred by you
so that your household can maintain its normal standard of living; or
b. Fair Rental Value, meaning the fair rental value of that part of the "residence premises” where you
reside less any expenses that do not continue while the premises is not fit to live in.
Payment under a. or b. will be for the shortest time required to repair or replace the damage or, if you
permanently relocate, the shortest time required for your household to settle elsewhere
If a loss covered under this Section makes that part of the "residence premises" rented to others or
held for rental by you not fit to live in, we cover the:
Fair Rental Value, meaning the fair rental value of that part of the "residence premises" rented to
others or held for rental by you less any expenses that do not continue while the premises is not fit
to live in
Payment will be for the shortest time required to repair or replace that part of the premises rented or
held for rental.
If a civil authority prohibits you from use of the "residence premises" as a result of direct damage to
neighboring premises by a Peril Insured Against in this policy, we cover the Additional Living Expense
and Fair Rental Value loss as provided under 1. and 2. above for no more than two weeks.
The periods of time under 1., 2. and 3. above are not limited by expiration of this policy.
We do not cover loss or expense due to cancellation of a lease or agreement.
ADDITIONAL COVERAGES
1. Debris Removal. We will pay your reasonable expense for the removal of:
a. Debris of covered property if a Peril Insured Against that applies to the damaged property causes the
loss; or
b. Ash, dust or particles from a volcanic eruption that has caused direct loss to a building or property
contained in a building
This expense is included in the limit of liability that applies to the damaged property. If the amount to
be paid for the actual damage to the property plus the debris removal expense is more than the limit of
liability for the damaged property, an additional 5% of that limit of liability is available for debris removal
expense
We will also pay your reasonable expense, up to $500, for the removal from the "residence premises"
Ol
a. Your tree(s) felled by the peril of Windstorm or Hail
b. Your tree(s) felled by the peril of Weight of Ice, Snow or Sleet; or
c. A neighbor's tree(s) felled by a Peril Insured Against under CoverageC:
HO 00 03 04 91 Copyright Insurance Services Office, Inc. 1990 Page 4 of 21
Filing 121611231 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX
provided the tree(s) damages a covered structure. The $500 limit is the most we will pay in any one loss
regardless of the number of fallen trees.
Reasonable Repairs. In the event that covered property is damaged by an applicable Peril Insured
Against, we will pay the reasonable cost incurred by you for necessary measures taken solely to
protect against further damage. If the measures taken involve repair to other damaged property, we will
pay for those measures only if that property is covered under this policy and the damage to that property
is caused by an applicable Peril Insured Against.
This coverage:
a. Does not increase the limit of liability that applies to the covered property;
b. Does not relieve you of your duties, in case of a loss to covered property, as set forth in SECTION |
— CONDITION 2.d.
Trees, Shrubs and Other Plants. We cover trees, shrubs, plants or lawns, on the "residence
premises,” for loss caused by the following Perils Insured Against: Fire or lightning, Explosion, Riot or
civil commotion, Aircraft, Vehicles not owned or operated by a resident of the "residence premises,”
Vandalism or malicious mischief or Theft. We will pay up to 5% of the limit of liability that applies to the
dwelling for all trees, shrubs, plants or lawns. No more than $500 of this limit will be available for any
one tree, shrub or plant. We do not cover property grown for "business" purposes. This coverage is
additional insurance.
Fire Department Service Charge. We will pay up to $500 for your liability assumed by contract or
agreement for fire department charges incurred when the fire department is called to save or protect
covered property from a Peril Insured Against. We do not cover fire department service charges if the
property is located wit
Preview
Filing # 121611231 E-Filed 02/18/2021 10:02:43 AM IN THE CIRCUIT COURT OF THE EIGHTEENTH JUDICIAL CIRCUIT IN AND FOR BREVARD COUNTY, FL CASE NO. 05-2020-CA-024628 ANTHONY DAVIS JR., Plaintiff, Vv. SECURITY FIRST INSURANCE COMPANY DBA SECURITY FIRST FLORIDA, Defendant. / AMENDED COMPLAINT Plaintiff, ANTHONY DAVIS JR., sues the Defendant, SECURITY FIRST INSURANCE COMPANY DBA SECURITY FIRST FLORIDA, and alleges as follows: 1. This is an action for damages in excess of Thirty Thousand Dollars ($30,000.00), exclusive of prejudgment interest, attorney’s fees, and costs. 2. Atall material times, Defendant was a corporation, duly authorized and licensed to transact insurance business in the State of Florida. Defendant regularly conducted business, had offices, and/or maintained agents for the transaction of its customary business in Brevard County, Florida. 3. Plaintiff resides in Brevard County, Florida, and is otherwise sui juris. 4. Plaintiff's dwelling, located at 4835 Key Biscayne Drive, Titusville, FL 32780 (hereafter “the Property”), sustained covered losses due to water damage that was caused by water from within a plumbing system that failed due to wear, tear, and deterioration. 5. Plaintiff notified Defendant of the damages. 6. Defendant assigned claim number 183125 to the loss. Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX 7. Defendant assigned a date of loss of September 9, 2019. 8. Defendant insured Plaintiff's dwelling, pursuant to policy number P004111407 (hereafter “the Policy’). A copy of the certified policy is attached hereto as Exhibit A. 9. The Policy, including the coverages to protect Plaintiff against the above loss, was in full force and effect as to Plaintiff when Plaintiff's property was damaged. 10. Plaintiff complied with all conditions precedent to entitle Plaintiff to recover under the Policy, or Defendant waived compliance with such conditions. 11. On January 30, 2020, Plaintiff submitted to Defendant an estimate from a contractor ready to perform repairs to Plaintiff's home related to the covered losses. Defendant failed or refused to pay the appropriate amount for the repairs. 12 . Defendant has failed to provide coverage for certain of Plaintiff's losses. 13 . As a result, Defendant has failed to pay for all of Plaintiff's losses. 14 . Defendant's failure to pay for all of Plaintiff's losses is a material breach of contract. 15 . As aresult of Defendant's material breach of contract, it has become necessary for Plaintiff to retain the services of the undersigned attorney. WHEREFORE, Plaintiff demands judgment against Defendant for all losses with interest on any overdue payments, plus attorney's fees and costs, pursuant to sections 627.428, 57.041, and 92.231, Florida Statutes, and demands a trial by jury. Dated this 18” day of February, 2021. /s/ Gi Kimmel GINA KIMMEL, ESQ., Esquire Florida Bar No. 0121929 Morgan & Morgan, P.A. 20 N. Orange Avenue, 4" Floor Post Office Box 4979 Orlando, Florida 32802-4979 Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX Telephone: (407) 420-1414 Facsimile: (407) 245-3414 Primary email: GKimmel@forthepeople.com Secondary email:SFloresrivera@forthepeople.com LRolon@forthepeople.com Attorneys for Plaintiff GK/sfr Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX EXHIBIT A Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX Security First sre . insur cla Homes STATE of FLORIDA COUNTY of VOLUSIA CLAIM# 183125 TIVA# P004111407 TERM — 05/22/2019 — 05/22/2020 Attached is a true and correct copy of the original Security First Insurance Company Policy of Insurance, Policy Number P004111407, issued to the named Insured, Anthony Davis Jr with effective dates of 05/22/2019 — 05/22/2020 with regard to all coverage forms and endorsements listed on the Policy Declarations page. Due to the current pandemic with COVID-19, a certified copy of this Policy of Insurance cannot be provided at this time but will be provided at a later date. DATE: June 9, 2020 SECURITY FIRST INSURANCE COMPANY ‘ Printed Name: Autumn J Condercuri Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX Checklist of Coverage Policy Type: Homeowner’s (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.fidfs.com. This form was adopted by the Florida Financial Services Commission. Dwelling Structure Coverage (Place of Residence) Limit of Insurance: $ $185,000 Loss Settlement Basis: Replacement Cost (ie.: Replacement Cost, Actual Cash Value, Stated Value, etc). Other Structures Coverage (Detached from Dwelling) Limit of Insurance: $ $3,700 Loss Settlement Basis: Replacement Cost (ie: Replacement Cost, Actual Cash Value, Stated Value, etc). Personal Property Coverage Limit of Insurance: $ $46,250 Loss Settlement Basis: Replacement Cost (ie: Replacement Cost, Actual Cash Value, Stated Value, etc). Deductibles Annual Hurricane: $3,700 All Perils (Other Than Hurricane): $2,500 Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX 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) Fire or Lightning Hurricane Flood (Including storm surge) Windstorm or Hail (other than hurricane) Explosion Riot or Civil Commotion Aircraft Vehicles Smoke Vandalism or Malicious Mischief Theft Falling Objects Weight of Ice, Snow or Sleet Accidental Discharge or Overflow of Water or Steam [Sudden and Accidental Tearing Apart, Cracking , Burning or Bulging Freezing [Sudden and Accidental Damage from Artificially Generated Electrical Current Volcanic Eruption Sinkhole i 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 (Ite is below marked Y (Yes) indicate coverage IS included, those marked N (No) indicate coverage is NOT_ included) Shortest time required to Additional Living Expense $18,500 epair/replace/relocate Fair Rental Value WV [civil Authority Prohibits Use $18,500 2 weeks maximum Propet - Additional/Other Coverages (tems below marked Y (Yes) indicate coverage IS Limit of Insurance JAmount of insurance is an additional amount of included, those marked N (No) indicate coverage is Up to $185,000 coverage or is included within the policy limit. Unless otherwise Included Additional INOT included) Noted Debris Removal $9,250 Additional Reasonable Repairs Included Property Removed Included Credit Card, Electronic Fund Transfer Card, or $500 Additional Access Device, Forgery and Counterfeit Money Loss Assessment $1,000 Additional Collapse Included Glass or Safety Glazing Material Included Landlord's Furnishings $2,500 Included Law and Ordinance $46,250 Additional Grave Markers Up to $46,250 Included Mold / Fungi $10,000 Included Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX OIR-B1-1670 (1-1-06) 20f3 Checklist of Coverage (continued) Discounts Dollar ($) Amount of Discount (tems below marked Y (Yes) indicate discount |S applied, those imarked N (No) indicate discount is NOT applied) WN ]Multipte Policy Ey VV Fire Alarm / Smoke Alarm / Burglar Alarm Sprinkler _JWindstorm Loss Reduction Jncluded in Base Premium WN Building Code Effectiveness Grading Schedule WN [other Insurer May Insert Any. Other Property Coverage Below. Limit of Insurance: Loss Settlement Basis: (tems 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.) INOT included) Personal Liability Coverage Limit of Insurance: $ $300,000 Medical Payments to Others Coverage Limit of Insurance: $ $5,000 Liability - Additional/Other Coverages (Items below marked Y (Yes) indicate coverage IS Limit of Insurance Amount of insurance is an additional amount of coverage or is included within the policy limit. included, those marked N (No) indicate coverage is D Included Additional Claim Expenses Additional First Aid Expenses Additional Damage to Property of Others $500 Additional Loss Assessment $1,000 Additional Insurer May Insert Any Other Liability Coverage Below (Items below marked Y (Yes) indicate coverage |S included, those marked N (No) indicate Limit of Insurance overage is NOT included) Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX OIR-B1-1670 (1-1-06) 3 of 3 Your Policy Declarations —_ Policy Type: Homeowners HO3. Policy Number: P004111407 Security First Insurance Company Policy Effective Date: 05/22/2019 12:01 AM P.O. Box 105651 Policy Expiration Date: 05/22/2020 12:01 AM Atlanta, GA 30348 Amended: 07/17/2019 12:01 AM Date Printed: 07/17/2019 PNerp Orel clas liolgutlicelty GOOSEHEAD INSURANCE AGENCY LLC Total Premium Amount: $1,961.16 RYAN ROBERT ALTENHOF 1500 Solana Blvd Ste 4500 Westlake, TX 76262-1690 Hurricane Premium: $1,255.70 Non-Hurricane Premium: $678.47 Email: mailbox@goosehead.com Total Policy Premium before Fees: $1,934.16 Phone: (800) 474-1377 Total Policy Fees: $27.00 Agency ID: X05808 Agent License #: W106410 See additional premium detail on page 2 Named Insured: Anthony Davis JR Mailing Address: 4835 KEY BISCAYNE DR, TITUSVILLE, FL 32780-6906 Email Address: anthony.davisjr@yahoo.com Phone: (407) 463-1672 COVERAGE IS PROVIDED WHERE A PREMIUM OR LIMIT OF LIABILITY IS SHOWN FOR THE COVERAGE Insured Property Location 4835 KEY BISCAYNE DR, TITUSVILLE, FL 32780-6906 County: BREVARD. Section |~- Property Coverages Limit Premium Coverage A (Dwelling) $185,000 $1,765.06 Coverage B (Other Structures) $3,700 Included Coverage C (Personal Property) Personal Property Replacement Cost Loss Settlement Included $46,250 Included Coverage D (Loss of Use) $18,500 Included Ordinance or Law 25% of CovA $119.10 Section il - Liability Coverages Coverage E (Personal Liability) $300,000 $15.00 Coverage F (Medical Payments to Others) $5,000 $10.00 Amount All Other Perils Deductible $2,500 Water Deductible $2,500 Hurricane Deductible $3,700 (2% of Cov A) Endorsement Name Premium | Water Damage Coverage: Limited Included Limited Fungi Coverage Included | Loss Assessment Coverage Included i Water Back Up and Sump Overflow $25.00 Filing 1216 G24 Hos DEC 09 18, ANTHONY DAYS sbi BRS ttBlfahce Company 05-2020-CA-024628- XXX 4% Endorsement Name Limit Limited Fungi Coverage $10,000 per loss/$50,000 policy total || Limited Fungi Coverage Section II $50,000 | Loss Assessment Coverage $1,000 i Water Back Up and Sump Overflow $5,000 | | Water Damage Coverage: Limited $10,000 | Amount Hurricane Premium: $1,255.70 Non-Hurricane Premium $678.47 Nonrefundable Policy Fee Details Managing General Agency Fee $25.00 Emergency Management Preparedness and Assistance Trust Fund Fee $2.00 Policy Fee Total: $27.00 Total Endorsement Premium: $403.16 Total Premium Amount: $1,961.16 Construction Type: Masonry 100% Protection Class: 04 Year Built: 1963 Territory: 8 / 009-C / 8/999 Usage Type: Primary Residence, Not Rented Building Code Effectiveness Grade: 99 Distance to Coast: 3,700.00 Opening Protection: None Roof Shape: Gable Exclude Wind/Hail Coverage: No Credits Surcharges All Other Perils Deductible Credit Hurricane Deductible Credit Windstorm Loss Mitigation Credit Protection Class Credit Filey HEAGSS Bc 09 18 ANTHONY RAYAS ity BiSARSRHCE company 05-2020-CAD 24628; XXXX-XX HO 00 03 04 91 Homeowners 3 Special Form HO 04 10 10 00 Additional Interests HO 04 96 04 91 No Section I! Liability Coverages for Home Day Care Business Limited Section | Property Coverages For Home Day Care Business OIR-B1-1655 02 10 Notice of Premium Discounts for Hurricane Loss Mitigation OIR-B1-1670 01 06 Checklist of Coverage SFI FL HO3 COV 03 17 Homeowners HO3 Table of Contents SFI FL HO3 DN 03 18 HO3 Deductible Notification Form SFI FL HO3 OTL 02 18 Homeowners Policy Outline of Coverages SFI FL HO3 PRI 08 16 Privacy Policy SFIV HO 09 04 90 01 06 Personal Property Replacement Cost Loss Settlement SFIV HO 09 2370 01 06 Windstorm Exterior Paint or Waterproofing Exclusion Seacoast Florida SFIV HO 09 CLP 01 06 Collapse Coverage SFIV HO 09 ED 12 08 Existing Damage Exclusion Endorsement SFIV HO 09 ELE 03 08 Unusual or Excessive Liability Exposure SFIV HO 09 FCE 11 17 Limited Fungi, Mold, Wet or Dry Rot or Bacteria Coverage Endorsement SFIV HO 09 HD 01 06 Hurricane Deductible Endorsement SFIV HO 09 LWD 02 18 Limited Water Damage Coverage Discharge or Overflow SFIV HO 09 OL1 06 15 Ordinance or Law Coverage SFIV HO 09 WBU 03 17 Water Back Up and Sump Overflow SFIV HO3 09 SP 02 18 Special Provisions for Florida SFIV HO3 09 WD 09 12 Water Damage Exclusion Endorsement Loan #: 2416004992 || | Name: PrimeLending, a PlainsCapital Company ISAOA Address: PO Box 796788 City: Dallas, State: TX Zip: 75379-6788 | Filing 1216 Ye Hos DEC 09 18, ANTHONY DAYS shit BRS tfBlfahce Company 05-2020-CA-024628- XX 4% THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR HURRICANE LOSSES, WHICH MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU. LAW AND ORDINANCE: LAW AND ORDINANCE COVERAGE IS AN IMPORTANT COVERAGE THAT YOU MAY WISH TO PURCHASE. PLEASE DISCUSS WITH YOUR INSURANCE AGENT. FLOOD INSURANCE: YOU MAY ALSO NEED TO CONSIDER THE PURCHASE OF FLOOD INSURANCE. YOUR HOMEOWNER’S 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. 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. Filey HEAGSS Bc 09 18 ANTHONY RAYAS ity BiSARSRHCE company 05-2020-CAD2AG 2 XXXX-XX Co Authorized Countersignature: 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.MySFl.com. . To report an identity theft claim, call (800) 676-5696. Filing 1216 Ye Hos DEC 09 18, ANTHONY DAYS shit BRS tfBlfahce Company 05-2020-CA-024628- XX 4% HOMEOWNERS HO 00 03 04 91 HOMEOWNERS 3 SPECIAL FORM AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. DEFINITIONS In this policy, "you" and "your" refer to the "named insured" shown in the Declarations and the spouse if a resident of the same household. "We," "us" and "our" refer to the Company providing this insurance. In addition, certain words and phrases are defined as follows: 1. "Bodily injury" means bodily harm, sickness or disease, including required care, loss of services and death that results. 2. "Business" includes trade, profession or occupation. 3. "Insured" means you and residents of your household who are: a. Your relatives; or b. Other persons under the age of 21 and in the care of any person namedabove. Under Section Il, "insured" also means: With respect to animals or watercraft to which this policy applies, any person or organization legally responsible for these animals or watercraft which are owned by you or any person included in 3.a. or 3.b. above. A person or organization using or having custody of these animals or watercraft in the course of any "business" or without consent of the owner is not an"insured"; d. With respect to any vehicle to which this policy applies: (1) Persons while engaged in your employ or that of any person included in 3.a. or 3.b. above; or (2) Other persons using the vehicle on an "insured location" with your consent. 4. "Insured location" means: a. The "residence premises"; b. The part of other premises, other structures and grounds used by you as a residence and: (1) Which is shown in the Declarations; or (2) Which is acquired by you during the policy period for your use as a residence; c. Any premises used by you in connection witha premises in 4.a. and 4.b.above; d. Any part of apremises: (1) Not owned by an "insured"; and (2) Where an "insured" is temporarily residing; e. Vacant land, other than farm land, owned by or rented to an"insured”; f. Land owned by or rented to an "insured" on which a one or two family dwelling is being built as a residence for an "insured"; g. Individual or family cemetery plots or burial vaults of an "insured"; or h. Any part of a premises occasionally rented to an "insured" for other than "business" use. "Occurrence" means an accident, including continuous or repeated exposure to substantially the same general harmful conditions, which results, during the policy period, in: a. "Bodily injury"; or HO 00 03 04 91 Copyright Insurance Services Office, Inc. 1990 Page 1 of 21 Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX b. "Property damage.” 6. "Property damage” means physical injury to, destruction of, or loss of use of tangible property. 7. "Residence employee" means: a.An employee of an "insured" whose duties are related to the maintenance or use of the "residence premises," including household or domestic services;or b. One who performs similar duties elsewhere not related to the "business" of an "insured." "Residence premises" means: a. The one family dwelling, other structures, and grounds;or b. That partof any other building; where you reside and which is shown as the "residence premises" in the Declarations. "Residence premises" also means a two family dwelling where you reside in at least one of the family units and which is shown as the "residence premises" in the Declarations. SECTION I - PROPERTY COVERAGES COVERAGE A- Dwelling We cover: 1. The dwelling on the "residence premises" shown in the Declarations, including structures attached to the dwelling; and 2. Materials and supplies located on or next to the "residence premises" used to construct, alter or repair the dwelling or other structures on the "residence premises." This coverage does not apply to land, including land on which the dwelling is located. COVERAGE B - Other Structures We cover other structures on the "residence premises” set apart from the dwelling by clear space. This includes structures connected to the dwelling by only a fence, utility line, or similar connection. This coverage does not apply to land, including land on which the other structures are located. We do not cover other structures: 1. Used in whole or in part for "business"; or 2. Rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage. The limit of liability for this coverage will not be more than 10% of the limit of liability that applies to Cover- age A. Use of this coverage does not reduce the Coverage A limit of liability. COVERAGE C - Personal Property We cover personal property owned or used by an "insured" while it is anywhere in the world. At your request, we will cover personal property owned by: 1. Others while the property is on the part of the "residence premises" occupied by an "insured"; 2. A guest or a "residence employee," while the property is in any residence occupied by an "insured." Our limit of liability for personal property usually located at an "insured's" residence, other than the "residence premises," is 10% of the limit of liability for Coverage C, or $1000, whichever is greater. Personal property in a newly acquired principal residence is not subject to this limitation for the 30 days from the time you begin to move the property there. Special Limits of Liability. These limits do not increase the Coverage C limit of liability The special limit for each numbered category below is the total limit for each loss for all property in that category. 1. $200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins and medals 2. $1000 on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps. This dollar limit applies to these HO 00 03 04 91 Copyright Insurance Services Office, Inc. 1990 Page 2 of 21 Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX categories regardless of the medium (such as paper or computer software) on which the material exists. This limit includes the cost to research, replace or restore the information from the lost or damaged material. $1000 on watercraft, including their trailers, furnishings, equipment and outboard engines or motors. $1000 on trailers not used with watercraft. $1000 for loss by theft of jewelry, watches, furs, precious and semi-precious stones. $2000 for loss by theft of firearms. $2500 for loss by theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter. $2500 on property, on the "residence premises," used at any time or in any manner for any "business" purpose. $250 on property, away from the "residence premises," used at any time or in any manner for any "business" purpose. However, this limit does not apply to loss to adaptable electronic apparatus as described in Special Limits 10. and 11. below. 10.$1000 for loss to electronic apparatus, while in or upon a motor vehicle or other motorized land conveyance, if the electronic apparatus is equipped to be operated by power from the electrical system of the vehicle or conveyance while retaining its capability of being operated by other sources of power. Electronic apparatus includes: a. Accessories or antennas;or b. Tapes, wires, records, discs or other media; for use with any electronic apparatus. 11.$1000 for loss to electronic apparatus, while not in or upon a motor vehicle or other motorized land conveyance, if the electronic apparatus: a. ls equipped to be operated by power from the electrical system of the vehicle or conveyance while retaining its capability of being operated by other sources of power; b. Is away from the "residence premises"; and c. Is used at any time or in any manner for any "business" purpose. Electronic apparatus includes: a. Accessories and antennas; or b. Tapes, wires, records, discs or other media; for use with any electronic apparatus. Property Not Covered. We do not cover: 1 Articles separately described and specifically insured in this or other insurance; 2. Animals, birds or fish; 3. Motor vehicles or all other motorized land conveyances. This includes: a. Their equipment and accessories; or b. Electronic apparatus that is designed to be operated solely by use of the power from the electrical system of motor vehicles or all other motorized land conveyances. Electronic apparatus includes: (1) Accessories or antennas;or (2) Tapes, wires, records, discs or other media; for use with any electronic apparatus. The exclusion of property described in 3.a. and 3.b. above applies only while the property is in or upon the vehicle or conveyance. We do cover vehicles or conveyances not subject to motor vehicle registration which are: a. Used to service an "insured's” residence; or b. Designed for assisting the handicapped; Aircraft and parts. Aircraft means any contrivance used or designed for flight, except model or hobby aircraft not used or designed to carry people or cargo; HO 00 03 04 91 Copyright Insurance Services Office, Inc. 1990 Page 3 of 21 Filing 121611234 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX Property of roomers, boarders and other tenants, except property of roomers and boarders related to an “insured” Property in an apartment regularly rented or held for rental to others by an "insured," except as provided in Additional Coverages 10. Property rented or held for rental to others off the "residence premises" "Business" data, including such data stored in: a. Books of account, drawings or other paper records; or b. Electronic data processing tapes, wires, records, discs or other software media; However, we do cover the cost of blank recording or storage media, and of pre-recorded computer programs available on the retail market; or 9. Credit cards or fund transfer cards except as provided in Additional Coverages 6. COVERAGE D - Loss Of Use The limit of liability for Coverage D is the total limit for all the coverages that follow. 1 If a loss covered under this Section makes that part of the "residence premises" where you reside not fit to live in, we cover, at your choice, either of the following. However, if the "residence premises" is not your principal place of residence, we will not provide the option under paragraph b. below. a. Additional Living Expense, meaning any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living; or b. Fair Rental Value, meaning the fair rental value of that part of the "residence premises” where you reside less any expenses that do not continue while the premises is not fit to live in. Payment under a. or b. will be for the shortest time required to repair or replace the damage or, if you permanently relocate, the shortest time required for your household to settle elsewhere If a loss covered under this Section makes that part of the "residence premises" rented to others or held for rental by you not fit to live in, we cover the: Fair Rental Value, meaning the fair rental value of that part of the "residence premises" rented to others or held for rental by you less any expenses that do not continue while the premises is not fit to live in Payment will be for the shortest time required to repair or replace that part of the premises rented or held for rental. If a civil authority prohibits you from use of the "residence premises" as a result of direct damage to neighboring premises by a Peril Insured Against in this policy, we cover the Additional Living Expense and Fair Rental Value loss as provided under 1. and 2. above for no more than two weeks. The periods of time under 1., 2. and 3. above are not limited by expiration of this policy. We do not cover loss or expense due to cancellation of a lease or agreement. ADDITIONAL COVERAGES 1. Debris Removal. We will pay your reasonable expense for the removal of: a. Debris of covered property if a Peril Insured Against that applies to the damaged property causes the loss; or b. Ash, dust or particles from a volcanic eruption that has caused direct loss to a building or property contained in a building This expense is included in the limit of liability that applies to the damaged property. If the amount to be paid for the actual damage to the property plus the debris removal expense is more than the limit of liability for the damaged property, an additional 5% of that limit of liability is available for debris removal expense We will also pay your reasonable expense, up to $500, for the removal from the "residence premises" Ol a. Your tree(s) felled by the peril of Windstorm or Hail b. Your tree(s) felled by the peril of Weight of Ice, Snow or Sleet; or c. A neighbor's tree(s) felled by a Peril Insured Against under CoverageC: HO 00 03 04 91 Copyright Insurance Services Office, Inc. 1990 Page 4 of 21 Filing 121611231 ANTHONY DAVIS J VS SECURITY 05-2020-CA-024628-XXXX-XX provided the tree(s) damages a covered structure. The $500 limit is the most we will pay in any one loss regardless of the number of fallen trees. Reasonable Repairs. In the event that covered property is damaged by an applicable Peril Insured Against, we will pay the reasonable cost incurred by you for necessary measures taken solely to protect against further damage. If the measures taken involve repair to other damaged property, we will pay for those measures only if that property is covered under this policy and the damage to that property is caused by an applicable Peril Insured Against. This coverage: a. Does not increase the limit of liability that applies to the covered property; b. Does not relieve you of your duties, in case of a loss to covered property, as set forth in SECTION | — CONDITION 2.d. Trees, Shrubs and Other Plants. We cover trees, shrubs, plants or lawns, on the "residence premises,” for loss caused by the following Perils Insured Against: Fire or lightning, Explosion, Riot or civil commotion, Aircraft, Vehicles not owned or operated by a resident of the "residence premises,” Vandalism or malicious mischief or Theft. We will pay up to 5% of the limit of liability that applies to the dwelling for all trees, shrubs, plants or lawns. No more than $500 of this limit will be available for any one tree, shrub or plant. We do not cover property grown for "business" purposes. This coverage is additional insurance. Fire Department Service Charge. We will pay up to $500 for your liability assumed by contract or agreement for fire department charges incurred when the fire department is called to save or protect covered property from a Peril Insured Against. We do not cover fire department service charges if the property is located wit