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, South Florida’s exclusive business daily and official court newspaper. The case began with an insurance claim by Manor House with Citizens Property Insurance Corp., which accepted responsibility for the loss and paid

, South Florida’s exclusive business daily and official court newspaper. The case began with an insurance claim by Manor House with Citizens Property Insurance Corp., which accepted responsibility for the loss and paid $1.93 million.The article, which is titled “Court Opens Citizens Property Insurance to Claims for Consequential Damages,” focuses on a recent precedent-setting ruling with a certified question to the Florida Supreme Court by the state’s Fifth District Court of Appeal. The property owner later reopened the claim seeking $10 million, and the insurer subsequently made additional payments for approximately $345,000.Restrictions, Encroachments and Minerals Endorsement: This endorsement provides insurance against loss or damage resulting from the violations of deed restrictions, encroachments and set back lines existing as of the date of the policy. Mortgage Modification Endorsement: This endorsement insures against loss or damage by reason of the invalidity or unenforceability of the lien of the insured mortgage as a result of the modification and against lack of priority of the mortgage, as of the date of the endorsement, over defects, liens or encumbrances on the title except to the extent shown on the policy.*This endorsement is to be used with the 2006 ALTA Loan Policy if the modification does not trigger substitution loan rates.If the mortgage modification does trigger substitution loan rates, then endorse the policy using a blank endorsement. The appellate panel overturned the trial court’s decision and remanded the case back to the lower court for hearings on whether the claimant is entitled to consequential damages for lost rental income caused by the insurer’s delays and denials.However, Citizens’ adjuster estimated the actual cash value and replacement cost value of the policyholder’s loss to be in the $5.5 to $6.5 million range.

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, South Florida’s exclusive business daily and official court newspaper. The case began with an insurance claim by Manor House with Citizens Property Insurance Corp., which accepted responsibility for the loss and paid $1.93 million.

.93 million.

There are no violations of restrictive covenants, and any violation of the covenants will not cause a forfeiture or reversion of title;ii.

This endorsement does not insure against loss of priority after Lender had knowledge of the existence of intervening liens.

Future Advance - Letter of Credit Endorsement: This endorsement provides insurance for the continued priority of a mortgage securing both principal and interest of a loan for advances made to Borrower after date of Policy, and the future advance being made is to post or maintain a letter of credit.

The property owner eventually sued in 2007 seeking prompt payment of the allegedly undisputed amount of .4 million and asking the court to compel Citizens to engage in the appraisal procedures called for under the policy.

Title Insurance in Florida is issued using standard policies and endorsements, which vary depending on the insured property.

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