Carla Norman v. State Farm Florida Insurance Company

Third District Court of Appeal
State of Florida
Opinion filed December 31, 2025.
Not final until disposition of timely filed motion for rehearing.
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No. 3D24-1953
Lower Tribunal No. 22-14464-CA-01
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Carla Norman,
Appellant,
vs.
State Farm Florida
Insurance Company ,
Appellee.
An Appeal from the Circuit Court for Miami-Dade County, Spencer Eig,
Judge.
Scott 	J. 	Edwards, 	P.A., 	and 	Scott 	J. 	Edwards 	(Boca 	Raton);
Vyacheslav 	Borshchukov, 	P.A., 	and 	Vyacheslav 	Borshchukov 	(Ft.
Lauderdale), for appellant.
Russo Lima Appellate Firm, P.A., and Elizabeth K. Russo, and Paulo
R. Lima, for appellee.
Before LINDSEY, GORDO, and GOODEN, JJ.

2
PER CURIAM.
We affirm because while the doctrine of waiver may be employed to
bar an insurer from effecting the forfeiture of coverage under a policy, it
cannot be used to create or extend coverage that does not exist. 	See Six
L’s Packing Co. v. Florida Farm Bureau Mut. Ins. Co., 268 So. 2d 560, 563
(Fla. 4th DCA 1972), decision adopted by, 276 So. 2d 37 (Fla. 1973)); see
also Universal Prop. & Cas. Ins. Co. v. Jean, 50 Fla. L. Weekly D2488,
D2489 (Fla. 4th DCA Nov. 19, 2025).
Affirmed.