Fort Lauderdale
The Fort Lauderdale office of Marshall Dennehey is conveniently located near our South Florida and statewide clients, while remaining centrally located to the courts and main transportation arteries. As a regional office of Marshall Dennehey, the Fort Lauderdale office is backed by the resources of a firm with 500 lawyers. It stands ready to assist every client -- be they individuals, small businesses, large corporations or insurance carriers -- by providing high-quality, results-oriented legal representation that is both innovative and cost-effective.
Thought Leadership
Perlmutter Provides Predictability for Punitive Damages Claims in Florida
June 15, 2026
In a much anticipated decision, the Florida Supreme Court provided clarity for the standards of proof for punitive damages claims in Perlmutter v. Federal Insurance Company, SC2024-0058 (Fla. June 11, 2026). Litigants and trial judges must be mindful of the standards laid out by the Court. And, defense practitioners must be prepared to alter their strategies to defend against such claims. Perlmutter came to the Court from the Fourth District, based on conflict jurisdiction with decisions from the Second and Fifth District and on certification of a question of great public importance as to the standard of proof for punitive damages claims at the pleading stage. Fed. Ins. Co. v. Perlmutter, 376 So. 3d 24, 29 (Fla. 4th DCA 2023). In the underlying case, the Fourth District made two conclusions. First, it held that a “trial court must consider the evidentiary showing by all parties at the hearing on the motion to amend, that is, evidence ‘in the record’ and evidence ‘proffered by the claimant.’” 376 So. 3d at 33. Second, the Fourth held that it “interpreted section 768.72(1) and (2) to require the trial court to make a preliminary determination of whether a reasonable jury, viewing the totality of proffered evidence in the light most favorable to the movant, could find by clear and convincing evidence that punitive damages are warranted. Id. at 34 (underscoring in the original). In making these conclusions, the court cautioned trial courts that the “preliminary determination” analysis did not entitle the trial court to decide whether the evidence is clear and convincing and noted that the trial court should not weigh evidence and should not determine witness credibility. Id. The Florida Supreme Court accepted jurisdiction and answered the certified question in the negative. It quashed the decision below and remanded the case for application of the following standards: The trial court should consider only the evidence identified or proffered by the claimant; it should not entertain an evidentiary counter-submission from the opponent. The trial court should consider whether a reasonable person could conclude based on the claimant’s evidence, that the defendant committed “intentional misconduct” or “gross negligence” as defined in section 768.72(2) or section 768.72(3). The trial court must review the request for punitive damages in the context of the underlying claims. The trial court should not apply the clear and convincing standard of proof in reviewing the sufficiency of the evidence at the pleading stage. The trial court does not act as a fact-finder; the trial court must not weigh the claimant’s evidence—it cannot decide the truth of the matter. The trial court must consider the record evidence and the proffered evidence in the light most favorable to the plaintiff, but the allegations in the proposed amended complaint are not themselves evidence. Perlmutter, SC2024-0058 at 13-15 (emphasis added). In explaining these standards, the Court interpreted the text of the statute and compared it to a related statute which governs punitive damages in the nursing home context. The nursing home statute expressly calls for evidentiary submissions by “the parties” and expressly tells the trial court to determine whether there is a reasonable basis to believe the claimant could satisfy the “clear and convincing evidence” standard at trial. Id. at 17-18 (comparing the text of section 768.72(1), Florida Statutes, with section 400.0237, Florida Statutes). Without that express language in section 768.72, the statute could not be applied in the same manner. With these standards specially delineated for the trial courts, the Court is “confident that its interpretation of section 768.72(1) will not frustrate the effectiveness of the statute in accomplishing the Legislature’s textually evident purposes.” Id. at 22 (cleaned up). This remains to be seen. While Perlmutter provides predictability and clarity for trial courts when reviewing the evidentiary submissions in support of a punitive damages claim, the decision will not likely impact the numbers of punitive damages motions filed. Rather, these new parameters will change the way claims are defended, reminiscent of a time when rulings on punitive damages were only subject to certiorari review and appellate courts were limited in reviewing procedural errors. This decision will likely deflate the level-playing field that Florida Rule of Appellate Procedure 9.130(a)(3)(G) addressed by allowing appeals of orders granting and denying punitive damages amendments. Further, Perlmutter may have impliedly created a call to action for the Legislature to amend section 768.72(1) in the same manner it amended section 400.0237 to allow the courts to analyze “admissible evidence submitted by the parties” and determine at a hearing whether there is a reasonable basis to believe the claimant at trial would be able to demonstrate by “clear and convincing evidence” that the recovery of punitive damages is warranted. Until then, defendants must adjust their strategies. To adapt to these new standards, defense practitioners will need to tailor their strategy for defending punitive damages claims since they can no longer submit a counter-proffer or urge a court to apply the clear and convincing standard at the pleading phase. Instead, defendants will need to attack the deficiencies in the claimant’s pleadings and proffer. If the trial court fails to serve as a gatekeeper, and does not apply the above standards, then defendants can pursue an interlocutory appeal under Rule 9.130(a)(3)(G). If a nonfinal appeal is taken, then defendants should move to stay any intrusive financial discovery while the appellate court analyzes the issues on appeal. Finally, defendants should utilize Florida Rule of Civil Procedure 1.510 to serve as a screening device to allow the trial court to analyze all evidence and prevent nonmeritorious punitive damages claims from proceeding to a jury.
Legal Updates for Florida Coverage and Property Litigation
Third DCA Holds Presumption of Prejudice Applies to Any Post-Loss Obligation Defense When Insurer Establishes Insured’s Failure to Comply with Obligation
June 11, 2026
Universal Property & Casualty Ins. Co. v Alvarez, No.3D24-1853, Fla. 3d. DCA, May 13, 2026. At issue in this appeal was the trial court’s jury instruction regarding presumption of prejudice and post-loss obligation defenses. Alvarez filed a breach of contract action arising out of her insurance claim pertaining to alleged damage from Hurricane Eta. Universal raised several affirmative defenses, including Alvarez’s violation of her contractual post-loss obligations. At the start of trial, the court ruled that the legal presumption of prejudice was inapplicable to all of Universal’s post-loss obligation defenses except prompt notice. Universal opposed the ruling and continued to object at the charge conference. At trial, there was undisputed evidence that Alvarez failed to comply with multiple post-loss obligations, in addition to her failure to provide prompt notice, such as not providing requested documents and failing to preserve damaged property. Universal introduced a records request letter and testified that it never received the requested documents. Alvarez admitted she was aware of the records request, and that her uncle purchased materials and repaired the roof before Universal inspected it. Based on the court’s ruling at the start of trial, the jury was instructed that the presumption of prejudice only applied to Universal’s prompt notice defense and none of its other post-loss obligation defenses. The jury returned a verdict in favor of Alvarez, and the court subsequently denied Universal’s post-trial motions. Universal appealed the trial court’s entry of final judgment and denial of its post-trial motions for directed verdict or a new trial. On appeal, Universal contended the trial court erred in its jury instruction regarding the presumption of prejudice. In reversing the trial court, the Third DCA looked to its prior holding in American Integrity Ins. Co. v. Estrada, 276 So. 3d 905 (Fla. 3d DCA 2019). ‘In Estrada, we held that “when an insurer has alleged, as an affirmative defense to coverage, and thereafter has subsequently established, that an insured has failed to substantially comply with a contractually mandated post-loss obligation, prejudice to the insurer from the insured's material breach is presumed, and the burden then shifts to the insured to show that any breach of post-loss obligations did not prejudice the insurer.”’ Alvarez, at 4 (quoting Estrada, at 916). ‘In reversing the trial court, we instructed, “If American Integrity establishes that Estrada failed to materially satisfy any contractually mandated post-loss obligations, then the burden shifts to Estrada to establish that American Integrity was not prejudiced by Estrada's breach.”’ Id., at 4 (quoting Estrada, at 917) (emphasis added). The Third DCA found that the evidence at trial was sufficient enough to have required the trial court to instruct the jury on Universal’s presumption of prejudice to all of its post-loss obligation defenses. Since the court’s instruction to the jury was an inaccurate statement of law, the Third DCA ruled the trial court committed reversible error, and reversed and remanded for a new trial.
Results
Summary Judgment Secured in a Foodborne Illness Wrongful Death Matter
We won summary judgment in a foodborne illness wrongful death case. The plaintiff filed a wrongful death action against multiple parties, including the seafood supplier, distributors, transporters and the restaurant that served the decedent. The plaintiff alleged the decedent died as a result of eating raw oysters that contained vibrio vulnificus. We represented the supplier and argued there was no evidence the oysters were defective when they left the supplier’s hands. An expert was retained to support our motion for summary judgment. The expert prepared an affidavit citing the applicable duties pertaining to the harvesting, processing, and transportation of the oysters and stated the supplier did not breach any of the applicable duties. Utilizing calculated pressure tactics in a long-term strategy execution, plaintiff’s counsel eventually conceded that the record evidence did not support a finding that the supplier breached its duties, resulting in the court granting summary judgment. The case remains ongoing with multimillion dollar demands against the remaining defendants.
Summary Judgment Secured in a Contentious Coverage Matter
We were granted summary judgment in a coverage matter. The plaintiff was seeking UM benefits for a policy he had on a car he owned for an accident that occurred when he was operating a motorcycle he owned, but did not insure. The court confirmed that the policy excluded underinsured motorist coverage for the plaintiff’s motorcycle. The issue was that the definition of “motor vehicle” for the other owned motor vehicle exclusion was not specifically provided in the policy. In the PIP coverage, the policy contained an exclusion for motorcycles because the definition said motor vehicles must have four wheels. The plaintiff argued that the same policy said a motorcycle was not a motor vehicle for PIP coverage, but was a motor vehicle for the other owned vehicle exclusion. This was an ambiguity in the policy that should be interpreted against the carrier. The plaintiff had significant injuries that far exceeded the value of the policy. The court upheld both exclusions and followed our argument that the PIP and UM portions of the policy are separate and distinct and that any definition in the PIP coverage did not necessarily apply to the UM coverage.
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