Frisco, Frisco v. State Farm Florida Insurance Company

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DISTRICT COURT OF APPEAL OF FLORIDA
SECOND DISTRICT

CHAD FRISCO and MONIQUE FRISCO,
Appellants,

Vv.

STATE FARM FLORIDA INSURANCE COMPANY,
Appellee.

No. 2D2024-0464

December 3, 2025
Appeal from the Circuit Court for Pasco County; Declan P. Mansfield,
Judge.

Blair M. Fazzio and Jeffrey D. Groover of Kanner & Pintaluga, P.A., Boca
Raton, for Appellants.

Paul L. Nettleton and Katarina Dobsinska of Carlton Fields, Miami, for
Appellee.

VILLANTI, Judge.

Chad and Monique Frisco appeal the final summary judgment
granted in favor of State Farm Florida Insurance Company in their bad
faith lawsuit below. Because State Farm waived its defense upon which
the trial court based its ruling, we reverse the final judgment and
remand to the circuit court for further proceedings consistent with this

opinion. Because we hold that the Friscos' waiver argument was

2
dispositive and necessitates reversal, we need not examine the remaining
issues presented on appeal.
The Friscos own a home in Odessa that was insured by State Farm.
In April 2018, they submitted a claim to State Farm for water intrusion
damages that occurred after a contractor who was remodeling their home
left the roof exposed. State Farm accepted the claim and authorized the
Friscos to obtain the services of a mitigation company. The insurer also
issued payment of $10,759.47 to the Friscos for property damage.
Shortly after, State Farm advised the Friscos that there was "no coverage
under the policy for poor workmanship or mold remediation" and that
they should avoid taking any action that would hinder State Farm's
subrogation claims against the contractors responsible for the water
intrusion into the Friscos' home.
State Farm also advised the Friscos to hire a general contractor to
prepare an estimate of repairs so that State Farm could adjust the claim.
They complied with the directive, and in January 2019 they sent the
"Exactimate" prepared by their contractor to their State Farm adjuster.
The Friscos allege that State Farm never acknowledged the
documentation—continuing its pattern of lack of meaningful
communication—and essentially ceased further adjustment of the claim.
When the Friscos learned that their original contractor had placed a lien
upon their property, they reported the claim to State Farm and asked
that the insurer defend them against the contractor's claims. State Farm
declined to do so.
Frustrated by State Farm's lack of response, the Friscos filed a civil
remedy notice (CRN) with the Department of Financial Services alleging
that State Farm had acted in bad faith in handling their claim, thereby
violating sections 624.155 and 626.9541, Florida Statutes (2019). The

3
Friscos alleged that State Farm delayed their claim, utilized unfair trade
practices, failed to provide them with a certified copy of their policy,
made an unsatisfactory settlement offer, and failed to defend them from
a construction lien claim made by their contractor. In short order, the
Friscos then filed a breach of contract lawsuit against State Farm.
State Farm responded by demanding an appraisal, arguing that the
parties disputed the amount of damages but not coverage under the
policy. The trial court ordered the appraisal, but it was not finalized
until December 2019—a delay that was attributed, the Friscos allege, to
State Farm's refusal to adhere to the court-imposed deadlines. State
Farm paid to the Friscos the final payment toward its appraisal award
amount of the damages covered under the dwelling portion of the policy
in January 2020.1
Meanwhile, on March 22, 2019, against the backdrop of the breach
of contract lawsuit, State Farm responded through its counsel to the
CRN. State Farm's counsel wrote that the insurer "specifically denie[d]
[the Friscos'] allegations" and that State Farm had acted in good faith
and in accordance with its statutory duties. The correspondence did not
mention any perceived issue or deficiency with the CRN itself or the
Friscos' demand for attorney's fees and costs contained within the CRN.
In August 2020, the Friscos filed their bad faith lawsuit against
State Farm, which is the underlying lawsuit here. State Farm did not file
a timely answer following the parties' agreed order for an extension of
time to do so but instead moved for dismissal of the complaint or
alternatively, summary judgment. In its accompanying memorandum of
law, State Farm alleged for the first time that the CRN was deficient
1 The appraisal award totaled $80,707.81.

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because it was not specific enough to provide State Farm with the
opportunity to cure its alleged violations. State Farm also argued that
the Friscos provided only "conclusory allegations" of the insurer's alleged
violations. The Friscos responded to the summary judgment motion that
State Farm had waived any argument to the legal sufficiency of the CRN
by not raising it before. The trial court denied State Farm's motion to
dismiss or for summary judgment and ordered State Farm to file its
answer to the complaint. Notably, State Farm argued that the Friscos'
CRN did "not provide the requisite specificity as to the facts and
circumstances giving rise to the alleged violations" and "[a]s such, the
CRN was legally insufficient to carry out the purpose of the notice and
cure provisions of [section 624.155]." But still, no mention was made of
the Friscos' demand for attorney's fees and costs.
It was not until two years later, in its renewed motion for summary
judgment, that State Farm argued for the first time that the CRN was
legally deficient because it demanded as a cure "extra-contractual
damages" in the form of attorney's fees and costs. State Farm based its
argument on the Florida Supreme Court's holding in Talat Enterprises,
Inc. v. Aetna Casualty & Surety Co., 753 So. 2d 1278 (Fla. 2000).
After a hearing on the motion, the trial court granted summary
judgment in favor of State Farm, concluding that the CRN was "legally
deficient" because it "impermissibly required State Farm to pay extra-
contractual damages, such as attorney's fees and costs," contrary to
Talat. According to the trial court, to require payment of these damages
outside an insured's policy to "cure" alleged violations would render
illogical results because "[section 624.155] cannot reasonably be
construed to require payment of extra-contractual damages to avoid bad-
faith litigation." This appeal followed.

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Analysis
We review the final summary judgment in favor of State Farm de
novo because it is based upon a pure question of law: the trial court's
interpretation of section 624.155. See Major League Baseball v. Morsani,
790 So. 2d 1071, 1074 (Fla. 2000); see also Ellsworth v. State, 89 So. 3d
1076, 1077 n.1 (Fla. 2d DCA 2012) ("Judicial interpretation of [a] statute
is a pure question of law and we must therefore use a de novo standard
of review.").
Section 624.155(1)(b)(1), Florida Statutes (2024), provides a civil
remedy for an insurer's bad faith and provides as follows:
(1) Any person may bring a civil action against an insurer
when such person is damaged:
. . . .
(b) By the commission of any of the following acts by the
insurer:
1. Not attempting in good faith to settle claims when, under
all the circumstances, it could and should have done so, had
it acted fairly and honestly toward its insured and with due
regard for her or his interests . . . .
As a condition precedent to filing a bad faith lawsuit, an insured
must file a CRN, which places the insurer and the Department of
Financial Services on notice of an insurer's alleged violations.
§ 624.155(3)(a); see also Fortune v. First Protective Ins., 302 So. 3d 485,
489 (Fla. 2d DCA 2020) (discussing the statutory prerequisites to filing a
bad faith claim against an insurer).
The filing of the CRN triggers a sixty-day cure period in which the
insurer may pay damages to the insured or otherwise correct the alleged
violations. § 624.155(3)(c); see Harper v. GEICO Gen. Ins., 272 So. 3d

6
448, 452 (Fla. 2d DCA 2019) ("[B]ecause GEICO did not pay Harper's
claim within sixty days of the date the CRN was electronically filed with
the Department, it did not pay the claim within the sixty-day cure period,
and Harper was entitled to pursue her action for GEICO's alleged bad
faith.").
However, "seeking an appraisal is not a cure to a failure to attempt
to timely settle a claim in good faith." Fortune, 302 So. 3d at 490. This
court has recognized that an insurer's payment of an appraisal award
does not automatically alleviate the insurer of its potential liability for
bad faith. See Williams v. State Farm Fla. Ins., 346 So. 3d 79, 81 (Fla. 2d
DCA 2022); Fortune, 402 So. 3d at 491; see also Zaleski v. State Farm
Fla. Ins., 315 So. 3d 7,13 (Fla. 4th DCA 2021). Further, an insured is
not required to wait for a determination of liability or damages via the
appraisal process to file a CRN, "[n]or is the insurer's appropriate
response to that notice depend[e]nt on such a determination." Fortune,
302 So. 3d at 489 (second alteration in original) (quoting Vest v.
Travelers Ins., 753 So. 2d 1270, 1275 (Fla. 2000)). Rather, "[a]n insurer .
. . must evaluate an insured's claim based upon proof of loss required by
the policy and its expertise." Vest, 753 So. 2d at 1275-76. The insurer
must "act reasonably and in good faith in evaluating the claim." Williams,
346 So. 3d at 81. Accordingly, "the focus in a bad faith case is not
whether the insurer ultimately paid the amounts due under the policy,
but whether it acted reasonably in evaluating the claim prior to the
determination of damages." Id. (quoting Zaleski, 315 So. 3d at 12). The
insurer's statutory duty to act in good faith is distinct from its
contractual duties to its insured, which are dictated by the terms of the
policy. Id. at 82.

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In this case, the trial court agreed with State Farm's argument that
the Friscos' demand for attorney's fees and costs were "extra-
contractual"—outside of the terms of the insurance policy—and therefore
State Farm was placed in the position of having to cure a violation it was
not required to perform in the first place. The trial court relied upon
Talat in ruling in State Farm's favor.
In Talat, the Florida Supreme Court accepted the Eleventh Circuit's
certified question of whether an insurer which pays all contractual
damages under a policy upon service of a CRN within sixty days but does
not pay extracontractual damages has cured "the circumstances giving
rise to [a] violation" as contemplated by section 624.155(2)(d). Talat, 753
So. 2d at 1280. Reasoning that "[s]ection 624.155 does not impose on an
insurer the obligation to pay whatever the insured demands," the court
answered the question in the affirmative. Id. at 1284.
Aetna's insured Talat, a company that owned and operated a
restaurant, had sustained fire damage. Id. at 1279. Aetna paid its
insured approximately $10,000 for damage to the property, and shortly
after reopening, the restaurant was shut down by the health department
for code violations stemming from the fire, resulting in significant
business interruption. Id. Talat submitted proofs of loss establishing
approximately $140,000 in personal property loss and approximately
$290,000 in business interruption. Id. at 1280. Following court-ordered
arbitration, Talat was awarded more than $331,000 in damages, and
Aetna paid the sum to Talat within a few weeks of the arbitration. Id.
Shortly after, Talat filed its notice of civil remedy and intent to file a bad
faith lawsuit against the insurer. Id. Aetna moved for summary
judgment on the grounds that it was entitled to judgment as a matter of

8
law because it had paid the entire arbitration amount due to Talat before
the expiration of the sixty-day cure period. Id.
The court reasoned that "[i]n the context of a first-party insurance
claim, the contractual amount due the insured is the amount owed
pursuant to the express terms . . . of the policy after all of the conditions
precedent . . . are fulfilled" and that "section 624.155(2)(d) . . . cannot
reasonably be construed to require payment of extra-contractual
damages to avoid bad-faith litigation." Id. at 1283.
In this case, in addition to finding Talat controlling, the trial court
found that State Farm had not waived its argument that the Friscos' CRN
was legally deficient for demanding extracontractual damages because
section 624.155 should be strictly construed, and to find that State Farm
waived its argument would "improperly shift the burden under the
statute from the claimant to the insurer."
We do not agree with the burden-shifting rationale, and we
conclude that State Farm waived its right to argue the Friscos' allegedly
deficient CRN by failing to raise it in its response or any other time before
arguing its motion for summary judgment, more than four years after the
Friscos filed the CRN. It is well-settled that "an insurer that responds to
the merits of an insured's CRN without raising defects in the notice
waives the right to make any such objection later." Vachon v. Travelers
Home & Marine Ins., 403 So. 3d 451, 453 (Fla. 2d DCA 2025) (citing Neal
v. GEICO Gen. Ins., 358 So. 3d 749, 753 (Fla. 4th DCA 2023)); see Bailey
v. People's Trust Ins., 392 So. 3d 123, 125 (Fla. 4th DCA 2024); see Bay
v. United Servs. Auto. Ass'n, 305 So. 3d 294, 299 (Fla. 4th DCA 2020).
This is a logical extension from the also long-established principle that
"one can waive any contractual, statutory or constitutional right . . .
includ[ing] prelitigation notice requirements―a party can engage in

9
conduct that either waives the inadequacy of a notice or estops it from
raising the inadequacy later." Vachon, 403 So. 3d at 453 (quoting Bay,
305 So. 3d at 299); see Ingersoll v. Hoffman, 589 So. 2d 223, 224 (Fla.
1991) (holding that dentist who did not specifically deny patient's
performance of condition precedent presuit statutory notice waived the
right to use that as a defense to malpractice claim). As with the insurer
in Vachon, State Farm "responded to the merits" of the Friscos' CRN and
"made no complaint" about the inclusion of the Friscos' demand for
attorney's fees and costs. It thus waived its right to that argument. See
id. at 453-54.
Because State Farm waived its argument on the issue upon which
the trial court granted summary judgment—State Farm's waiver—we
remand to the trial court for further proceedings consistent with this
opinion. We decline to address the additional issues raised on appeal.
Reversed and remanded.
LAROSE, J., Concurs.
ATKINSON, J., Concurs in result only.
ATKINSON, Judge, Concurring in result only.
The Friscos have not challenged on appeal the trial court's
conclusion that because they did not plead their waiver theory in reply to
State Farm's defense, they were not permitted to argue the issue of
waiver at summary judgment. Thus, this court should not reach the
question of whether State Farm waived the defense upon which it sought
summary judgment. However, reversal is still warranted because State
Farm's defense fails on the merits and neither of its tipsy coachman

10
arguments support an affirmance. Consequently, I respectfully concur
in result only.
I.
State Farm defended the Friscos' bad faith insurance lawsuit in
part on the basis that they failed to comply with a condition precedent.
State Farm alleged that the Friscos' civil remedy notice was "deficient,
inadequate and insufficient as a matter of law" because it "failed to
specify" the alleged bad faith violations, the policy provisions allegedly
breached, and "the alleged contractual damages owed." When State
Farm later filed the motion for summary judgment that precipitated this
appeal, State Farm argued that the Friscos' civil remedy notice was
"legally deficient" for the discrete reason that "it impermissibly demanded
State Farm pay unrecoverable extra-contractual damages, such as
attorney's fees and costs." In their response to State Farm's motion for
summary judgment, the Friscos countered in relevant part that State
Farm waived the right to challenge the sufficiency of their civil remedy
notice because State Farm failed to raise any defects with the notice in
its response to the notice. The trial court granted summary judgment in
favor of State Farm.
Consistent with the Friscos' argument on appeal, the majority
concludes reversal is warranted "[b]ecause State Farm waived its defense
upon which the trial court based its ruling." But the majority does not
address the trial court's alternative ground for its ruling—which was
raised by State Farm in its answer brief—that because the Friscos did
not file a reply to State Farm's affirmative defenses, they were precluded
from arguing at summary judgment that State Farm waived its defense
regarding the sufficiency of the Friscos' civil remedy notice. "If an answer
. . . contains an affirmative defense and the opposing party seeks to avoid

11
it, the opposing party must file a reply containing the avoidance." Fla. R.
Civ. P. 1.100(a). "An avoidance is an allegation of additional facts
intended to overcome an affirmative defense." Buss Aluminum Prods.,
Inc. v. Crown Window Co., 651 So. 2d 694, 695 (Fla. 2d DCA 1995) (citing
Kitchen v. Kitchen, 404 So. 2d 203 (Fla. 2d DCA 1981)). In other words, a
reply is needed when a plaintiff seeks to "prove an affirmative defense to
an affirmative defense." Reno v. Adventist Health Sys./Sunbelt, Inc., 516
So. 2d 63, 64-65 (Fla. 2d DCA 1987) (citing Williams v. Irick, 433 So. 2d
681 (Fla. 5th DCA 1983)).
State Farm argues, and the trial court agreed, that because the
Friscos sought to avoid State Farm's affirmative defense concerning the
sufficiency of the civil remedy notice by establishing that State Farm's
conduct amounted to a waiver of the defense, the Friscos were required
to plead waiver in reply. See Universal Prop. & Cas. Ins. v. Yager, 413 So.
3d 786, 790–92 (Fla. 4th DCA 2025) (reversing trial court's partial
summary judgment, which determined that the insurer "waived its lack
of 'prompt notice' defense," because the insureds failed to timely reply to
plead the issue of waiver); Gamero v. Foremost Ins., 208 So. 3d 1195,
1196–97 (Fla. 3d DCA 2017) (concluding that the insured was precluded
from arguing that the insurer "waived its right to rely on the marring
exclusion" because the insured "failed to reply to, or avoid, this
affirmative defense by alleging, as he does in this appeal, that the
affirmative defense was waived by [the insurer's] conduct"); cf. Fla. R.
Civ. P. 1.110(d) ("In pleading to a preceding pleading, a party must set
forth affirmatively: . . . waiver, and any other matter constituting an
avoidance or affirmative defense.").
However, this result would only obtain in the event that State Farm
had pleaded the affirmative defense that it now claims could be avoided

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only by means of the Friscos filing a reply. State Farm did plead an
affirmative defense that the Friscos failed to comply with a condition
precedent because their civil remedy notice was deficient on several
grounds—but not on the grounds on which the trial court ultimately
granted summary judgment. State Farm waited until filing its summary
judgment motion to assert the affirmative defense that the civil remedy
notice was deficient because it demanded extracontractual damages.
Therefore, with respect to the affirmative defense upon which State Farm
sought summary judgment, there was nothing for the Friscos to avoid in
a reply to the answer—and there was no way for the Friscos to waive
their right to argue that avoidance at the summary judgment stage of the
litigation when, for the first time, State Farm asserted the affirmative
defense upon which it prevailed. In short, the Friscos should not have
been faulted for failing to reply to an affirmative defense that State Farm
did not plead.
Thus, the Friscos are correct, albeit for different reasons,2 when
they argue in their initial brief that "the trial court erred in finding any
sort of waiver by the Friscos." However, the Friscos neglected to raise as
an issue on appeal the trial court's conclusion that their failure to avoid
the affirmative defense of waiver in a reply foreclosed their opposition to
State Farm's affirmative defense based on the insufficient civil remedy
notice. Further, the Friscos did not present any argument on appeal in
2 The Friscos argue on appeal that they could have amended their
complaint to address the waiver argument as an avoidance to State
Farm's affirmative defense. But to avoid an affirmative defense, the rules
of civil procedure mandate a reply. See Fla. R. Civ. P. 1.100(a) ("If an
answer . . . contains an affirmative defense and the opposing party seeks
to avoid it, the opposing party must file a reply containing the avoidance."
(emphasis added)).

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reply to State Farm's appellate argument regarding their failure to file a
reply in the trial court. Therefore, because the Friscos have not
presented the specific argument on appeal that the trial court was wrong
because no reply was necessary given State Farm's lack of pleading the
civil remedy notice defense, the party presentation principle arguably
prevents this court from considering such an argument. See Williams v.
State, No. 5D2024-2334, 2025 WL 2092230, at *2 (Fla. 5th DCA July 25,
2025) ("The principle provides that 'the scope and content of the judicial
controversy are to be defined by the parties or, conversely, that the court
is restricted to a consideration of what the parties have put before it.' "
(first quoting Robert Wyness Millar, The Formative Principles of Civil
Procedure 11 (Northwestern Univ. Press 1923); and then citing Trappman
v. State, 384 So. 3d 742, 751 n.4 (Fla. 2024))); see also D.H. v. Adept
Cmty. Servs., Inc., 271 So. 3d 870, 888 (Fla. 2018) (Canady, J.,
dissenting) (contending that the party presentation principle requires "an
argument to specifically be raised," otherwise "the appellee 'must not
only respond to the specific reasons for reversal advanced by the
[appellant] but also anticipate and respond to other reasons for reversal
that may be advanced by the reviewing court' " (alteration in original)
(quoting I.R.C. v. State, 968 So. 2d 583, 588 (Fla. 2d DCA 2007))).
However, we need not resolve this party presentation question
because the trial court's grant of summary judgment was incorrect for
another reason that was adequately raised by the Friscos on appeal: the
precise civil remedy notice deficiency on which summary judgment was
premised is not supported by the language of the statute or any binding
decisional authority. In other words, the civil remedy notice was not
deficient for the reason the trial court concluded it was. On the merits,
the trial court was wrong to conclude that the Friscos' civil remedy notice

14
was "legally deficient" on the basis that it required payment of
"unrecoverable extra-contractual damages, such as attorney's fees and
costs."
Section 624.155 specifies the form and content of an insured's civil
remedy notice. The notice must be "on a form provided by the
department." § 624.155(3)(b), Fla. Stat. (2019). And it must "state with
specificity" (1) "[t]he statutory provision, including the specific language
of the statute, which the authorized insurer allegedly violated"; (2) "[t]he
facts and circumstances giving rise to the violation"; (3) "[t]he name of
any individual involved in the violation"; (4) the "specific policy language
that is relevant to the violation, if any"; (5) "that the notice is given in
order to perfect the right to pursue the civil remedy authorized by"
section 624.155; and (6) "such other information as the department may
require." Id. If the insured has given the insurer at least sixty days'
notice and stated with specificity these enumerated items, then the
insured has complied with his or her "condition precedent to bringing an
action under" section 624.155. See § 624.155(3)(a).
Specificity being explicitly required by the language of the statute,
see § 624.155(3)(b) ("The notice . . . shall state with specificity the
following information . . . ."), the failure to meet that standard has been
recognized as a deficiency that renders the notice inadequate to satisfy
the condition precedent required to entitle a plaintiff to bring a bad faith
action against an insurer. See Demase v. State Farm Fla. Ins., 351 So.
3d 136, 138–39 (Fla. 5th DCA 2022) (concluding that the insured's civil
remedy notice "was legally insufficient" because it "did not comply with
section 624.155's specificity requirements"); Julien v. United Prop. & Cas.
Ins., 311 So. 3d 875, 879 (Fla. 4th DCA 2021) ("[W]e conclude the circuit
court correctly determined that Julien failed to satisfy the requirement

15
that the insured identify the specific statute and specific policy provision
relevant to Universal Property's alleged violation."). However, research
has not revealed any controlling case law supporting the proposition that
the nonmeritoriousness of what the insured demands in a civil remedy
notice to cure an alleged bad faith violation, whether extracontractual
damages or otherwise, renders the notice deficient. Nor does the
statutory language support such a proposition. As quoted above, the
statute requires an insured to "state with specificity" various types of
information. § 624.155(3)(b). While this "notice of the violation" is a
"condition precedent to bringing an action," § 624.155(3)(a), the statute
cannot be read to conclude that the condition precedent is unfulfilled if
the allegations supporting the asserted violation are determined to be
unsupported by statute or policy language.
Thus, by invalidating the Friscos' civil remedy notice as "legally
deficient" on the basis that it demanded "unrecoverable extra-contractual
damages," the trial court put the cart before the horse. The merits of an
insured's bad faith claim—that is, whether the allegations do or do not
constitute bad faith under the statute or whether damages are or are not
owed to the insured under the policy—have no bearing on whether the
insured has satisfied his or her condition precedent to notify the insurer
of the alleged bad faith claim. The statutory condition precedent is to
notify the insurer with specificity of what the alleged bad faith violation
is. The fact that an insured states facts that may not ultimately
constitute a violation of the bad faith statute or demands damages that
may not ultimately be recoverable does not alter the fact that the insured
has sent a statutorily compliant civil remedy notice. At the notice stage,
the civil remedy statute imposes no requirement that the insured state a
meritorious bad faith claim or even allege a legally sufficient one. To the

16
contrary, it is only logical to presume that some insureds will notify
insurers of bad faith claims upon which they will not ultimately prevail—
whether because the underlying facts do not constitute bad faith or
because certain demands are not available remedies under any appliable
statutory or contractual provisions. Whether bad faith claims are legally
sufficient or meritorious is a determination for the litigation stage.
The trial court relied on Talat Enterprises, Inc. v. Aetna Casualty &
Surety Co., 753 So. 2d 1278 (Fla. 2000), to support its conclusion that a
civil remedy notice is "legally deficient" if it demands "unrecoverable
extra-contractual damages." The supreme court in Talat held that an
insurer who, upon receipt of a civil remedy notice, timely pays all
contractual damages, but does not pay any extracontractual damages
that were demanded in the notice, has nevertheless paid "the damages"
or corrected "the circumstances giving rise to the violation" as described
in section 624.155 such that it can cure an alleged bad faith violation
and avoid litigation. See id. at 1280–81; see also § 624.155(3)(d) ("No
action shall lie if, within 60 days after filing notice, the damages are paid
or the circumstances giving rise to the violation are corrected."). In other
words, the supreme court concluded that only "the contractual amount
due" is what the insurer must pay within the sixty-day window to cure
the alleged bad faith violation, regardless of whether an insured included
in its notice a demand over and above that amount. See Talat, 753 So.
2d at 1283. But that conclusion in no way supports what the trial court
concluded in this case—that a civil remedy notice is "legally deficient" if it
demands "unrecoverable extra-contractual damages." The supreme
court only spoke to what the insurer must do to cure an alleged bad faith
violation, not what the insured must do to notify the insurer of an alleged
bad faith violation and satisfy the condition precedent in section

17
624.155(3). Indeed, the supreme court said nothing whatsoever about
the validity of a civil remedy notice or what content the civil remedy
notice must or must not contain.
Moreover, in holding that an insurer only has to pay the
contractual damages to cure an alleged bad faith violation, the supreme
court approved the analysis of a federal magistrate judge that "[s]ection
624.155 does not impose on an insurer the obligation to pay whatever
the insured demands." Id. at 1282 (quoting Talat Enters., Inc. v. Aetna
Cas. & Sur. Co., 952 F. Supp. 773, 778 (M.D. Fla. 1996)). In other
words, no matter what the insured demands, the insurer only has to pay
the contractual damages in order to cure the alleged bad faith
violation. The supreme court's rationale in Talat does not support—and
in fact undermines—the trial court's conclusion in this case because the
rationale presupposed the validity of the insured's civil remedy notice. If
the mere inclusion of a demand for "extra-contractual damages" in the
civil remedy notice rendered it invalid, then there would have been no
reason for the court to answer the question it did in Talat. In other
words, it is nigh impossible to read the rationale of the Talat opinion
without concluding that the court presumed that the civil remedy notice
was statutorily sufficient despite the inclusion of extracontractual
damages because the court presumed the insurer would be required to
respond to it, the only question being what the response would be
required to include as opposed to whether a response would be required
at all. Cf. id. at 1283 ("Section 624.155(1)(b), Florida Statutes (1993),
then, is correctly read to authorize a civil remedy for extra contractual
damages if a first-party insurer does not pay the contractual amount due
the insured after all the policy conditions have been fulfilled within sixty
days after a valid notice has been filed under section 624.155(2)(a),

18
Florida Statutes (1993)."). The supreme court answered a question
concerning the validity of the insurer's response to a civil remedy notice
that demanded extracontractual damages, not the validity of the civil
remedy notice itself.
Thus, statutory language and the Florida Supreme Court's analysis
in Talat compel the conclusion that a determination of whether an
insured has satisfied the condition precedent described in section
624.155(3) is not contingent on the insured's contractual entitlement to
the demands contained in a civil remedy notice. Accordingly, I would
conclude—contrary to the trial court—that State Farm's defense
asserting the invalidity of the Friscos' civil remedy notice because it
demanded extracontractual damages fails as a matter of law.
II.
State Farm raises two tipsy coachman arguments for affirmance,
however. See Dade Cnty. Sch. Bd. v. Radio Station WQBA, 731 So. 2d
638, 644 (Fla. 1999) ("[I]f a trial court reaches the right result, but for the
wrong reasons, it will be upheld if there is any basis which would
support the judgment in the record."). State Farm argues that the
Friscos' civil remedy notice was also legally deficient for failing to comply
with the specificity requirements in section 624.155 because the Friscos
failed to allege with specificity the facts and circumstances giving rise to
the alleged bad faith violations and failed to reference the relevant policy
language. See § 624.155(3)(b)2, (3)(b)4. Though State Farm did not raise
these issues in the motion for summary judgment that precipitated the
trial court's summary judgment on appeal, State Farm previously raised
these issues in an alternative motion to dismiss or motion for summary
judgment, which the trial court denied. Thus, these issues were raised

19
and considered below and, consequently, the record is sufficiently
developed to review them.3
3 Decisions from the First, Third, and Fifth District Courts of
Appeal have concluded that the tipsy coachman doctrine does not apply
to grounds not raised in the motion for summary judgment. See, e.g.,
Seaside Town Council, Inc. v. Seaside Cmty. Dev. Corp., 347 So. 3d 89, 97
(Fla. 1st DCA 2021); Sousa v. Zuni Transp., Inc., 286 So. 3d 820, 822
(Fla. 3d DCA 2019); Trainor v. PNC Bank, Nat'l Ass'n, 211 So. 3d 366,
368 (Fla. 5th DCA 2017). Citing to a decision of the Third District for
support, at least one opinion issued by this court has ostensibly adopted
that proposition and relied upon it to conclude that the court would not
"decide . . . for the first time on appeal" an issue that had not been raised
"below or on appeal." See Fredrick v. Dolgencorp, LLC, 304 So. 3d 36, 39
(Fla. 2d DCA 2020) (citing Sousa, 286 So. 3d at 822)). The apparent
history of the proposition indicates that it originated in Agudo, Pineiro &
Kates, P.A. v. Harbert Constr. Co., 476 So. 2d 1311, 1315 n.3 (Fla. 3d
DCA 1985), in which the Third District reasoned that "as Loranger v.
State, Department of Transportation, 448 So. 2d 1036, 1039 (Fla. 4th
DCA 1983) makes clear, the 'right for the wrong reason' appellate maxim
does not apply in summary judgment proceedings where the issue was
never raised in the motion for summary judgment." However, the Third
District's decision and the authority upon which it relied seem at odds
with a later-decided opinion of the Florida Supreme Court. See Radio
Station WQBA, 731 So. 2d at 644. Referring to an argument not included
in the appellee's summary judgment motion but rather asserted for the
first time in a posttrial motion, the supreme court opined that a trial
court's judgment "will be upheld if there is any basis which would
support the judgment in the record" and "that the appellee can present
any argument supported by the record even if not expressly asserted in
the lower court." Id. at 645 (emphasis added) ("[A]n appellee need not
raise and preserve alternative grounds for the lower court's judgment in
order to assert them in defense when the appellant attacks the judgment
on appeal." (citing MacNeill v. O'Neal, 238 So. 2d 614, 615 (Fla.1970));
see also Seaside Town Council, 347 So. 3d at 104 n.6 (Fla. 1st DCA
2021) (Tanenbaum, J., dissenting) ("The majority is of the view that the
principle cannot apply here because SCDC did not raise justiciability in
its motion filed with the trial court. This misses the mark. The supreme
court has rejected the view that the alternative theory must have been
asserted in the trial court (in essence, preserved) for the right-result-but-
wrong-reasoning principle to apply on appeal." (citing Radio Station

20
State Farm's argument that the civil remedy notice lacked
specificity as to the facts and circumstances giving rise to the alleged bad
faith violations lacks merit. The notice provides a detailed account of the
Friscos' interactions with State Farm and how and why the Friscos
contend State Farm's conduct amounts to bad faith. However, a different
deficiency noted by State Farm in its other argument is accurate—as far
as it goes. State Farm points out that the Friscos failed to refer to the
specific policy language relevant to the alleged bad faith violations. The
Friscos did indeed omit reference to specific policy language, although
this was a fraught topic given State Farm's alleged failure to timely
provide a copy of the policy upon the Friscos' statutory request. See
§ 627.4137(1), Fla. Stat. (2018) (requiring an insurer to provide certain
WQBA, 731 So. 2d at 644–45)). While an issue not raised in a motion for
summary judgment might not allow for application of the tipsy coachman
doctrine if it is not otherwise "supported by the record," see id. at 644,
the categorical prohibition against applying the doctrine to grounds not
raised in the motion for summary judgment is inconsistent with the
supreme court's discussion of the tipsy coachman doctrine in Radio
Station WQBA. Moreover, any analytical justification for such a
categorical rule is not adequately elaborated by any of the recorded
opinions that advance it, and the rule is not logically consonant with the
tipsy coachman doctrine itself. The supreme court did not carve out
summary judgment as an exception to the tipsy coachman rule, and it
expressly authorized appellees to assert tipsy coachman grounds even if
not asserted in the trial court, the only relevant inquiry being whether
the record supports the alternative ground argued for affirmance. In this
case, for example, although the asserted tipsy coachman grounds were
not raised in the motion for summary judgment that precipitated this
appeal, they were raised in a prior motion for summary judgment and
developed in the record. And, as to both motions, the Friscos' civil
remedy notice was before the trial court, even if the specific argument
raised for its invalidity was different. For these reasons, the record is
adequate to review those issues on their merits to determine whether
they support an affirmance.

21
information within thirty days of a written request, including a "copy of
the policy"). Thus, State Farm is correct that the Friscos failed to satisfy
the explicit, plainly worded, statutory requirement to make "[r]efer[ence]
to specific policy language that is relevant to the violation, if any."
§ 624.155(3)(b)4. And the Friscos do not refute State Farm's assertion
that it eventually did provide a copy of the policy. The Friscos even
represented in their civil remedy notice that they might supplement the
notice upon receipt of the policy—but they never did. So the civil remedy
notice was statutorily deficient in that regard because it did not include a
reference to any specific policy language.
However, that deficiency only applies to relevant policy language.
See id. (providing that the notice must include a "[r]eference to specific
policy language that is relevant to the violation, if any" (emphasis
added)). Thus, the deficiency would only foreclose bad faith claims to
which relevant policy language was absent. As the statutory language
indicates with the phrase "if any," not every bad faith claim will be
premised on policy language. Indeed, some of the Friscos' bad faith
theories are premised on violations to which no specific policy language
is relevant and which therefore would not require an examination of
policy language in order to assess the merits of the claim—as one
example, State Farm's alleged failure "to acknowledge and act promptly
upon communications with respect to claims." On the other hand, the
failure to refer to relevant policy language was a deficiency as to some of
the Friscos' other claims. Their civil remedy notice manifestly indicated
that there was relevant policy language. The Friscos' notice twice
asserted that State Farm's conduct violated the insurance policy—in the
first instance that State Farm "failed to comply with the Loss Payment
provision and others" and in the second instance that State Farm's

22
conduct was "in violation of the Loss Settlement provision of the policy."
But section 624.155 requires the insured to "state with specificity" the
"specific policy language that is relevant to the violation," not to refer to
an entire provision of the policy that is relevant to the violation. See id.
(emphasis added). Thus, the Friscos' generic reference to the "Loss
Payment provision" and "Loss Settlement provision" does not comply with
the specificity requirements of the statute.
As to the relevant policy language, the Friscos' notice also asserted
that they were "[u]nable to provide specific policy language as State Farm
ha[d] failed to produce a certified copy of the policy based on a request
for same pursuant to Fla. Stat. 627.4137, dated November 19, 2018."
The record indicates that State Farm did not provide a copy of the policy
until February 6, 2019, which was after the Friscos filed their civil
remedy notice on January 24, 2019, and well after the thirty-day
deadline provided in section 627.4137. See § 627.4137(1).4 While State
Farm's tardy response cannot be condoned, it did not obviate the Friscos'
express statutory obligation to "state with specificity" the "specific policy
language that is relevant to the violation." § 624.155(3)(b)4; see also
Sanders v. City of Orlando, 997 So. 2d 1089, 1095 (Fla. 2008) ("The word
'shall' is mandatory in nature." (citing Fla. Bar. v. Trazenfeld, 833 So. 2d
4 State Farm argues that section 627.4137 does not apply in this
case because it "applies only to liability coverage, not first party property
coverages." Even if State Farm is correct, State Farm treated the statute
as applicable when it responded in writing and "disclosed" the policy and
other information "[p]ursuant to [the Friscos'] request for information
under Florida Statute 627.4137." And the point remains that although
the Friscos asked State Farm for a copy of their policy and State Farm
took over sixty days to provide it, the delay does not excuse the Friscos'
failure to satisfy the express statutory requirement to include any policy
language relevant to their claims in the civil remedy notice.

23
734, 738 (Fla. 2002)); cf. § 627.421(1) ("Subject to the insurer's
requirement as to payment of premium, every policy shall be mailed,
delivered, or electronically transmitted to the insured or to the person
entitled thereto not later than 60 days after the effectuation of
coverage."). Additionally, the statute expressly excepts third party
claimants from stating the relevant policy language if the insurer has not
provided a copy of the policy. See § 624.155(3)(b)4 ("If the person
bringing the civil action is a third party claimant, she or he shall not be
required to reference the specific policy language if the authorized
insurer has not provided a copy of the policy to the third party claimant
pursuant to written request."). The statutory language's explicit
qualification of the exception as applying to third party claimants
indicates that the exception does not apply to other classes of persons,
such as first party claimants like the Friscos. See Gabriji, LLC v.
Hollywood E., LLC, 304 So. 3d 346, 351 (Fla. 4th DCA 2020) (" 'Under the
principle of statutory construction, expressio unius est exclusio alterius,'
also known as the negative-implication canon, 'the mention of one thing
implies the exclusion of another.' " (quoting Brown v. State, 263 So. 3d
48, 51 (Fla. 4th DCA 2018))); see also Antonin Scalia & Bryan A. Garner,
Reading Law: The Interpretation of Legal Texts 107 (2012) ("The doctrine
properly applies only when . . . the thing specified . . . can be reasonably
thought to be an expression of all that shares in the grant or prohibition
involved."). To conclude otherwise would require the court to expand the
statutory exception to apply beyond the circumstances authorized by the
legislature. Cf. N.W. v. State, 767 So. 2d 446, 450 (Fla. 2000) ("In section
39.054(1) the legislature made it abundantly clear that it knows how to
impose time restrictions upon dispositions of juveniles who have been
adjudicated delinquent. Had the Florida Legislature intended the same

24
time limitations to apply in cases when adjudication is withheld, it would
and could have easily incorporated direct language to that effect."); Vetter
v. Dep't of Bus. & Pro. Reg., Elec. Contractors' Licensing Bd., 920 So. 2d
44, 48 (Fla. 2d DCA 2005) ("When the legislature wishes to disqualify
certain persons from exercising a right or a duty, it knows how.").
Research has revealed no Florida appellate opinions that address
whether the failure to include policy language that is relevant to a bad
faith claim renders the civil remedy notice deficient as to other bad faith
claims included in the notice but to which no policy language is relevant.
The statute qualifies the requirement to refer to policy language,
acknowledging by the phrase "if any" that some bad faith claims may not
rely on policy language. It stands to reason that an insured cannot be
foreclosed from bringing a bad faith claim to which no policy language is
relevant even though the insured failed to refer to policy language
relevant to another bad faith claim. While the latter claim might be
barred, the former would not. Barring the former based on failure to cite
policy language that has no relevance would defy logic and confound
practical application of the statutory civil remedy notice provision under
such circumstances. I therefore cannot conclude that State Farm's tipsy
coachman argument supports an affirmance. However, on remand for
further proceedings, the insurer should be permitted to seek summary
judgment as to those claims for which any relevant policy language was
omitted from the civil remedy notice based on the failure of the condition
precedent mandated under the statute.
Opinion subject to revision prior to official publication.

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