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CHALFONTE CONDOMINIUM APARTMENT v. QBE INS. CORP.

Nos. 08-10009, 08-10783 and 08-11337.

695 F.3d 1215 (2012)

CHALFONTE CONDOMINIUM APARTMENT ASSOCIATION, INC., Plaintiff-Appellee Cross-Appellant, v. QBE INSURANCE CORPORATION, Defendant-Appellant Cross-Appellee. Chalfonte Condominium Apartment Association, Inc., Plaintiff-Appellant, v. QBE Insurance Corporation, Defendant-Appellee. Chalfonte Condominium Apartment Association, Inc., Plaintiff-Appellee, v. QBE Insurance Corporation, Defendant-Appellant.

United States Court of Appeals, Eleventh Circuit.

September 20, 2012.

Attorney(s) appearing for the Case

Monica Vila , Rodolfo Sorondo, Jr. , Holland & Knight, LLP, Miami, FL, for Appellant in Nos. 08-10009, 08-11337.

Daniel S. Rosenbaum , John M. Siracusa , Richard Chambers Valuntas , Rosenbaum Mollengarden Janssen & Siracusa, PLLC, West Palm Bch, FL, for Appellee in Nos. 08-10009, 08-11337 and for Appellant in No. 08-10783.

Anthony J. Russo , Butler Pappas Weihmuller Katz Craig, LLP, Tampa, FL, for Florida Defense Lawyers Ass'n and Federation of Defense & Corporate Counsel, Amici Curiae.

William Stewart Berk , Berk, Merchant & Sims, PLC, Monica Vila , Rodolfo Sorondo, Jr. , Holland & Knight, LLP, Miami, FL, for Appellee in No. 08-10783.

Before DUBINA, Chief Judge, CARNES, Circuit Judge, and RESTANI, Judge.

PER CURIAM:

In October 2005, Hurricane Wilma caused extensive damage to property owned by Chalfonte Condominium Apartment Association, Inc. ("Chalfonte"). Chalfonte filed a claim with its property insurer, QBE Insurance Corporation ("QBE"), pursuant to an insurance policy providing property coverage to Chalfonte. Chalfonte submitted an estimate of damages to QBE in December 2005 then submitted a sworn proof of loss to QBE in July 2006. After a period of time, Chalfonte...

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