Michael P. Sapourn, JD, CIC, CRM

U.S. District Court, Southern District of Florida · For the defendant · Opinion report

Whether an agent breached the standard of care when placing yacht coverage that carried a port restriction tied to unfinished repairs.

AZ55S, LLC v. FLINSCO.COM, No. 0:22-CV-61658

Fourth Judicial Circuit, Duval County, FL · For the plaintiff · Testimony

Agent's failure to treat a Mack truck with a concrete pump as a commercial auto, leaving it without physical damage coverage.

Nomad Management Services, Inc. v. David Beck, LLC, No. 1011-CA-001068

Eighteenth Judicial Circuit, Brevard County, FL · For the plaintiff · Testimony

Lost income of a newly trained life insurance salesperson disabled in an auto accident.

Kevin O. Andersen v. Robbin A. Berkowitz, No. 05-2018-CA-016972

Seventeenth Judicial Circuit, Broward County, FL · For the plaintiff · Testimony

Whether unnecessary delays in settling a sinkhole claim were a bad faith claims practice.

David and Jean Carruthers v. Tower Hill Prime Ins. Co., No. CACE 15-001849

Eleventh Judicial Circuit, Miami-Dade County, FL · For the plaintiff · Testimony

Agent's standard of care when procuring commercial auto fleet coverage for a family business.

Interian v. Gil Garden Avetrani Insurance Group, No. 2017-026613-CA-01

Sixth Judicial Circuit, Pinellas County, FL · For the defendant · Testimony

Whether certificates of insurance showed compliance with a services agreement's insurance provisions.

1010Logic, Inc. v. Sean Lucey and Lucey Corp, No. 2013-11192-CI-8

Twentieth Judicial Circuit, Collier County, FL · For the plaintiff · Deposition

Agent's standard of care when business income coverage was placed with 90% coinsurance after a no-coinsurance form was proposed.

Boutique Tere, Inc. v. Gulfshore Insurance, Inc., No. 17-CA-001618

Sixteenth Judicial Circuit, Jackson County, MO · For the plaintiff · Deposition

Agent's standard of care when writing a personal auto policy without confirming the proper named insured.

Toccara Flag v. A1 Insurance Sales, Inc., No. 1616-CV25227

Tenth Judicial Circuit, Polk County, FL · For the plaintiff · Deposition

Standard of care when selling annuities to a senior and a speculative investment to a non-accredited investor.

Forrest v. Montgomery, No. 2016-CA-000951

Nineteenth Judicial Circuit, Indian River County, FL · For the plaintiff · Deposition

Insurer's use of the fraud or concealment condition on thin circumstantial evidence in a homeowners fire claim.

Villanova v. Universal Property and Casualty Ins. Co., No. 2016-CA-001291

Ninth Judicial Circuit, Orange County, FL · For the plaintiff · Testimony

Call-center error that removed a vehicle from a policy minutes after the insured asked to add it.

Michael Hutchinson v. GEICO, No. 2016-CA-9029-0

Nineteenth Judicial Circuit, Indian River County, FL · For the plaintiff · Deposition

Agent-prepared application containing misrepresentations that led to a homeowners claim denial.

Gary J. Brady v. Florida Insurance Advisory Group II, LLC, No. 312016CA000326

Eighteenth Judicial Circuit, Brevard County, FL · For the plaintiff · Deposition

Coverage placed did not match the insured's request, and the agent did not disclose the change.

F and S Distributing, Inc. v. Reliance, Inc., No. 2016-CA-016778

Twenty-Third Judicial District, Assumption Parish, LA · For the defendant · Deposition

The business activities exclusion in homeowners and personal excess liability policies.

Labarre v. Texas Brine Company, LLC, No. 33798

Eleventh Judicial Circuit, Miami-Dade County, FL · For the defendant · Deposition

Insurer's right to void an auto policy for material misrepresentation on the application.

L.S.R. Corp v. Esurance Property and Casualty Ins. Co., No. 2016-009203-CA-01

Fifteenth Judicial Circuit, Palm Beach County, FL · For the plaintiff · Affidavit, deposition, trial

Agent's standard of care when placing a construction and payment bond with an unauthorized offshore insurer. Qualified at trial in 2016.

The Lexington Club Community Association, Inc. v. Strategy Insurance Limited, No. 50 2007 CA-0018961

Circuit Court, Montgomery County, MD · For the defendant · Testimony

Tenant's insurable interest in a building where it had made large improvements.

476K, LLC v. Erie Insurance Exchange, No. 398572-V

Fifth Judicial Circuit, Marion County, FL · For the plaintiff · Affidavit

Industry standards for adjusting a wind and water damage claim.

Mary Schneider v. Avatar Property and Casualty Insurance Company, No. 14-2259CAB

Twelfth Judicial Circuit, Lee County, FL · For the plaintiff · Affidavit

Insurer's retroactive cancellation of an auto policy after accepting premium.

Juanita Orozco v. Government Employees Insurance Company, No. 15-CA-001581

Eleventh Judicial Circuit, Miami-Dade County, FL · For the defendant · Deposition

Whether an agent placing liability coverage for a convenience store also had a duty to write workers compensation.

Mohammad Rashid v. Shores Insurance, Inc., No. 11-18924 CA 23

U.S. District Court, Western District of Pennsylvania · For the plaintiff · Opinion report, deposition

Whether a linear accelerator was permanently attached equipment and part of the building.

Rosewood Cancer Care Inc. v. The Travelers Indemnity Company, No. 2:14-cv-00434

Thirteenth Judicial Circuit, Hillsborough County, FL · For the plaintiff · Affidavit

Agent's standard of care when receiving information about an added vehicle from a dealership.

Murnane v. State Farm Mutual Automobile Insurance Company, No. 13-CA-00985

U.S. District Court, Southern District of Florida · For the plaintiff · Opinion report

Whether a manuscript flood exclusion reached damage from groundwater pressure.

Business Telecommunications Services, Inc. v. St. Paul Fire and Marine, No. 1:13-cv-24201-UU

U.S. District Court, Middle District of Florida, Jacksonville · For the plaintiff · Affidavit

Alleged material misrepresentations on a commercial property application.

FOIA Social Club Post 1002, Inc. v. Scottsdale Insurance Company, No. 3:13-cv-1336-J-39JRK

U.S. District Court, Middle District of Florida, Tampa · For the plaintiff · Opinion report, deposition

Agent and broker standard of care when soliciting a personal excess liability policy.

Vincent Mazzola v. Brown & Brown, No. 9:13-cv-01127-SCB-TBM

Tenth Judicial Circuit, Polk County, FL · For the plaintiff · Affidavit

Alleged misrepresentation on a homeowners application used to void a sinkhole claim.

Carmen Garcia v. Tower Hill Preferred Insurance Company, No. 2013-CA-002886

Eighteenth Judicial Circuit, Brevard County, FL · For the plaintiff · Affidavit

Whether a swimming pool fell under Dwelling or Other Structures coverage.

David Hill v. St. Johns Insurance Company, No. 05-2011-CA-008504

U.S. District Court, Northern District of Florida, Gainesville · For the defendant · Opinion report

Captive agent's duty when advising on stacked versus non-stacked uninsured motorist coverage.

James Brannan v. GEICO, No. 1:12-cv-00238-MP-GRJ

Eighteenth Judicial Circuit, Brevard County, FL · For the defendant · Trial

Insurance provisions and landlord and tenant obligations in a commercial lease.

1611 Meridian, LLC v. Piryanka Investments Group, No. 05-2013-CA-040259

Seventeenth Judicial Circuit, Broward County, FL · For the defendant · Deposition

Agent's standard of care when insuring more than 250 condominium associations, and when an agent becomes a fiduciary.

Ventnor B Condominium Association v. The Plastridge Agency, No. 09-037544-25

Thirteenth Judicial Circuit, Hillsborough County, FL · For the plaintiff · Deposition

Exclusive agent's standard of care when volunteering advice on the pollution exclusion.

Positive Pool Service v. Seibert Insurance Agency, No. 10-7455

Fifteenth Judicial Circuit, Palm Beach County, FL · For the defendant · Deposition

Captive agent replacing a whole life policy with a variable life policy.

Douglass Soref, Trustee v. New England Life, No. 50 2004 CA 011746

Twelfth Judicial Circuit, Lee County, FL · For the plaintiff · Deposition

Wrongful denial of a catastrophic homeowners fire claim involving ambiguous application wording.

Fredericks v. Universal, No. 09-CA-00051

Sixth Judicial Circuit, Pinellas County, FL · For the plaintiff · Opinion report

Added flood insurance cost caused by an improper flood zone designation.

Dunedin Development v. George A. Shimp & Assoc., No. 10-6755CI

Cameron Parish, LA · For the defendant · Deposition

Agent's standard of care when placing a flood application with a Write Your Own carrier.

Cox v. Fidelity National, No. 10-188355

Eleventh Judicial Circuit, Miami-Dade County, FL · For the plaintiff · Deposition

Wrongful denial of a catastrophic homeowners fire claim and the agent's handling of the application.

Phillips v. First Protective, No. 08-49368

Nineteenth Judicial Circuit, Martin County, FL · For the defendant · Deposition

Captive agent's standard of care and the duty to advise.

State Farm v. A and M Food Store, No. 05-413CA

U.S. District Court, Eastern District of Tennessee · For the defendant · Opinion, deposition, trial

Agent errors and omissions claim by a trucking firm. Qualified as an expert in agency management and agent standard of care.

Covenant Transport v. LIG Insurance Agency, No. 1:02-CV-377