U.S. Liability Ins. Co. v. Bove, 76-707

• Decision Date: 07 June 1977
• Docket Number: No. 76-707,76-707
• Citation: 347 So.2d 678
• Parties: U. S. LIABILITY INSURANCE COMPANY, Appellant, v. Annette De Maria BOVE, Appellee.
• Court: Florida District Court of Appeals

Page 678

347 So.2d 678

U. S. LIABILITY INSURANCE COMPANY, Appellant, v. Annette De Maria BOVE, Appellee.

No. 76-707.

District Court of Appeal of Florida, Third District.

June 7, 1977.

Rehearing Denied July 27, 1977.

Preddy, Haddad, Kutner, Hardy & Josephs and T. G. Anagnost, Miami, for appellant.

Fine & Brownstein, Miami, for appellee.

Blackwell, Walker, Gray, Powers, Flick & Hoehl, Miami, for National Ass'n of Independent Insurers as amicus curiae.

Before PEARSON, HAVERFIELD and HUBBART, JJ.

PER CURIAM.

Defendant insurance company appeals a final judgment awarding plaintiff $16,000 for loss of unscheduled personal property due to theft involving defendant's limits of liability under a homeowner's insurance policy.

On April 4, 1973 the residence of plaintiff, Annette De Maria Bove, was broken into and jewelry having a value in excess of $20,000 was stolen. At the time plaintiff had in force a homeowner's policy issued by the appellant, U.S. Liability Insurance Company, which covered loss due to theft of unscheduled property up to a total limit of $16,000. The policy also contained the following provision which is the subject matter of this action:

"2. Special Limits on Certain Property:

"a) . . .

"b) Under coverage C, this company shall not be liable for loss in any one occurrence with respect to the following property for more than:

"(4) $500 in the aggregate for loss by theft of jewelry, watches, necklaces, bracelets, gems, precious and semi-precious stones, gold, platinum and furs, including articles containing fur, which represents its principal value;"

Plaintiff filed a proof of loss with the defendant reciting that "a burglary" occurred at her residence itemizing her losses in excess of $26,000 and demanding $16,000, the policy limit for unscheduled personal property. Defendant rejected this demand and refused to pay in excess of $500 pursuant to the terms of the policy set out above. Thereupon, plaintiff filed a complaint seeking recovery of $16,000. At trial plaintiff made the inference for the first time that possibly more than one theft had occurred on April 4 and the trial judge entered judgment for $16,000 in favor of the plaintiff based upon the following findings "5) The evidence adduced clearly shows that the Plaintiff incurred losses of unscheduled personal property in excess of $16,000. The Plaintiff proved by competent evidence that the losses occurred by theft or thefts and that said theft or thefts occurred at her residence which was the residence covered under the policy in question . . .

"6) The Plaintiff, having presented a prima facie case for full coverage, it is incumbent upon the Defendant insuror to show that there was a limitation or exclusion in the policy prohibiting the Plaintiff from recovering the full amount. The Defendant relies on the limitation in the policy which limits recovery for loss in any one occurrence to $500 in the aggregate for loss by theft of jewelry, watches, etc.

"7) The burden of demonstrating that an exclusion or limitation in the policy applies is on the Defendant insuror. The Defendant has failed to present any evidence showing that the loss in question resulted from one theft or occurrence. It is possible that the losses...