Melbourne, Florida · Serving clients statewide

Monday to Friday, 8:00 AM to 4:00 PM  ·  Free consultation

Michael P. Sapourn, JD, CIC, CRM

South Florida

Insurance expert witness for South Florida litigation

Michael Sapourn has given opinion reports, affidavits, depositions and trial testimony in Miami-Dade, Broward, Palm Beach and other South Florida courts, and in the Southern District of Florida.

South Florida engagements

  1. 2023

    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

  2. 2020

    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

  3. 2019

    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

  4. 2019

    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

  5. 2016

    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

  6. 2015 to 2016

    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

  7. 2016

    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

  8. 2016

    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

  9. 2014

    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

  10. 2013

    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

  11. 2012

    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

  12. 2011

    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

  13. 2009

    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

  14. 2009

    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

Serving counsel throughout South Florida, including Miami, West Palm Beach, Boca Raton, Fort Lauderdale, Pembroke Pines, Hollywood and Coral Springs. See the full testimony record.

Talk to a lawyer who knows how insurers think.

Tell Mike what happened with your claim or your agent. The first consultation is free, and you will speak with him directly.