PATEL v. SPECIALIZED LOAN SERVICING, LLC

Nos. 16-12100, 16-16585.

904 F.3d 1314 (2018)

Pankaj PATEL, Laketha Wilson, Plaintiffs-Appellants, v. SPECIALIZED LOAN SERVICING, LLC, American Security Insurance Company, Defendants-Appellees. Richard L. Fowler, Glenda Keller, Yvonne Yambo-Gonzalez, on behalf of themselves and all others similarly situated, Plaintiffs-Appellants, v. Caliber Home Loans, Inc., individually and as successor-in-interest to Vericrest Financial and Caliber Funding, American Security Insurance Company, Defendants-Appellees.

United States Court of Appeals, Eleventh Circuit.

Filed September 24, 2018.


Attorney(s) appearing for the Case

Adam Moskowitz , Rachel Sullivan , Robert J. Neary , Thomas Ronzetti , Kozyak Tropin & Throckmorton, PA, 2525 Ponce De Leon Blvd. Fl. 9, Miami, FL 33134-6037, Stephen F. Rosenthal , John Gravante, III , Aaron S. Podhurst , Peter Prieto , Matthew P. Weinshall , Podhurst Orseck, PA, One SE 3rd Ave. Ste. 2300, Miami, FL 33130, Howard Bushman , Sarah Clasby Engel , Lance Harke , Harke Clasby & Bushman, LLP, 9699 NE 2nd Ave., Miami Shores, FL 33138, Archie C. Lamb, Jr. , Archie Lamb & Associates, LLC, THe Kress Bldg., 301 19th St. N Ste. 585, Birmingham, AL 35203-3145 for Plaintiffs-Appellants.

Franklin G. Burt , Carlton Fields Jorden Burt, PA, 100 SE 2nd St. Ste. 4200, Miami, FL 33131-2113, W. Glenn Merten , Brian Patrick Perryman , Carlton Fields Jorden Burt, PA, 1025 Thomas Jefferson St. NW Ste. 400 W, Washington, DC 20007 for Defendant-Appellee Specialized Loan Servicing, LLC.

Franklin G. Burt , Carlton Fields Jorden Burt, PA, 100 SE 2nd St. Ste. 4200, Miami, FL 33131-2113, W. Glenn Merten , Brian Patrick Perryman , Dawn B. Williams , Carlton Fields Jorden Burt, PA, 1025 Thomas Jefferson St. NW Ste. 400 W, Washington, DC 20007 for Defendant-Appellee American Security Insurance Company.

Robyn Cort Quattrone , Katherine Leigh Halliday , Stephen M. LeBlanc , Buckley Sandler, LLP, 1250 24th St. NW Ste. 700, Washington, DC 20037, Ross Eric Morrison , Buckley Sandler LLP, 1133 Avenue of the Americas Ste. 3100, New York, NY 10036 for Amicus Curiae Property Casualty Insurers Association of America.

Dennis J. Wall , Dennis J. Wall Law Office, Insurance Claims and Issues, Winter Springs, FL, for Amicus Curiae United Policyholders.

Before JORDAN, HULL, and BOGGS, Circuit Judges.


When an individual takes out a mortgage, he or she secures the loan with real property. To protect its security interest, lenders usually require borrowers to maintain hazard insurance in an amount that is at least equal to the loan's unpaid principal balance. Should a borrower fail...

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