{"id":26143,"date":"2025-01-13T17:27:04","date_gmt":"2025-01-13T17:27:04","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/assignment-invalid-for-failure-to-comply-with-statutory-requirement\/"},"modified":"2025-01-13T17:27:04","modified_gmt":"2025-01-13T17:27:04","slug":"assignment-invalid-for-failure-to-comply-with-statutory-requirement","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=26143","title":{"rendered":"Assignment Invalid for Failure to Comply With Statutory Requirement"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><strong><span style=\"color: #800000;\">\u00a0<\/span><\/strong>See the full video at <a href=\"https:\/\/rumble.com\/v67j464-assignment-invalid-for-failure-to-comply-with-statutory-requirement.html\">https:\/\/rumble.com\/v67j464-assignment-invalid-for-failure-to-comply-with-statutory-requirement.html\u00a0<\/a> and at <a href=\"https:\/\/youtu.be\/KH9tHP8Iuzc\">https:\/\/youtu.be\/KH9tHP8Iuzc<\/a><\/p>\n<p><img loading=\"lazy\" data-recalc-dims=\"1\" decoding=\"async\" class=\"alignnone wp-image-302976\" src=\"https:\/\/i0.wp.com\/zalma.com\/blog\/wp-content\/uploads\/2025\/01\/ASSIGNMENT-OF-BENEFITS.png?resize=627%2C353\" alt=\"\" width=\"627\" height=\"353\" srcset=\"https:\/\/i0.wp.com\/zalma.com\/blog\/wp-content\/uploads\/2025\/01\/ASSIGNMENT-OF-BENEFITS.png?resize=300%2C169 300w, https:\/\/i0.wp.com\/zalma.com\/blog\/wp-content\/uploads\/2025\/01\/ASSIGNMENT-OF-BENEFITS.png?resize=1024%2C577 1024w, https:\/\/i0.wp.com\/zalma.com\/blog\/wp-content\/uploads\/2025\/01\/ASSIGNMENT-OF-BENEFITS.png?resize=768%2C433 768w, https:\/\/i0.wp.com\/zalma.com\/blog\/wp-content\/uploads\/2025\/01\/ASSIGNMENT-OF-BENEFITS.png?w=1230 1230w\" sizes=\"auto, (max-width: 627px) 100vw, 627px\"\/>Holding Insurance Companies Accountable, LLC (\u201cHICA\u201d) challenged the entry of summary judgment for American Integrity Insurance Company of Florida (\u201cAmerican Integrity\u201d). HICA, as an assignee of post-loss insurance benefits, sued American Integrity for breach of contract. The trial court ruled that HICA lacked standing to sue because the assignment that it relied on did not follow the governing statute.<\/p>\n<p><em>Holding Insurance Companies Accountable, LLC a\/a\/o Leonard Caruso v. American Integrity Insurance Company of Florida<\/em>, No. 5D2023-2810, Florida Court of Appeals, Fifth District (January 3, 2025) resolved the dispute.<\/p>\n<h2><strong><span style=\"color: #0000ff;\">FACTS<\/span><\/strong><\/h2>\n<p>Leonard Caruso owns a house in The Villages. In 2019, the house suffered roof damage. Caruso reported the loss to his insurer, American Integrity. He selected Noland\u2019s Roofing to repair the damage and signed a \u201cDirection of Payment\u201d instructing American Integrity to pay Noland\u2019s Roofing directly.<\/p>\n<p>After receiving American Integrity\u2019s valuation of his claim, Caruso signed an \u201cAssignment of Benefits Contract\u201d with HICA in 2020.<\/p>\n<p>HICA is a business that purports to help homeowners enforce their insurance rights. The document indicated that HICA would not provide \u201cany services to protect, repair, restore, or replace [Caruso\u2019s] property or to mitigate against further damage to [Caruso\u2019s] property, as contemplated by\u201d section 627.7152, Florida Statutes. However, it stated that \u201c[a]ny payments shall be made in accordance with any Direction of Payment relative to\u201d Caruso\u2019s claim.<\/p>\n<p>Ultimately, HICA-as Caruso\u2019s assignee-sued American Integrity for breach of contract, alleging that American Integrity failed to pay the full value of Caruso\u2019s claim. HICA demanded \u201cpayment in accordance with the existing Direction of Payment.\u201d\u00a0 American Integrity raised lack of standing as an affirmative defense, maintaining that the assignment was \u201cinvalid and\/or void\u201d and the court granted American Integrity\u2019s motion.<\/p>\n<p>The court\u2019s order included these findings:<\/p>\n<blockquote>\n<p><em>\u201cThe parties agree that [HICA] did not comply with the provisions of Fl. Stat. Sec. 627.7152. The issue for the Court to determine is whether the \u201cassignment of benefits\u201d obtained by [HICA] from CARUSO is subject to Fl. Stat. Sec. 627.7152 \u2026.<\/em><\/p>\n<p><em>\u201cThe Court specifically finds that there is sufficient evidence in this case to show that any money recovered in this case would be used to make repairs to the roof by Noland Roofing and that payment would be made to Noland Roofing.<\/em><\/p>\n<p><em>\u201cThe Court finds that Noland\u2019s Roofing sent the direction to pay to American Integrity \u2026.<\/em><\/p>\n<p><em>\u201cThe Court finds that the Assignment Agreement specifically says that HICA will make payments in accordance with the direction to pay (\u201cAny payments shall be made in accordance with any Direction of Payment relative to the below referenced claim\u201d).<\/em><\/p>\n<p><em>\u201cThe Court finds that [HICA], through [its] Verified Answers to [American Integrity\u2019s] Interrogatories, has indicated that proceeds from any recovery in this case would be used to pay Noland\u2019s Roofing (\u2018Noland\u2019s Roofing, Inc. is the chosen contractor upon which the insured has executed a direction in pay in favor of.\u2019).\u201d<\/em><\/p>\n<\/blockquote>\n<p>Section 627.7152 was enacted by the Florida legislature in 2019 to regulate assignment agreements that seek to transfer insurance benefits from the policyholder to a third party. Under the statute, an \u201c[a]ssignment agreement\u201d is \u201cany instrument by which post-loss benefits under a residential property insurance policy . . . are assigned or transferred or acquired in any manner . . . to or from a person providing services to protect, repair, restore, or replace property or to mitigate against further damage to the property.\u201d \u00a7 627.7152(1)(b), Fla. Stat. (2020).<\/p>\n<p>Before assigning his benefits to HICA, Caruso signed a direction of payment in favor of Noland\u2019s Roofing, which instructed American Integrity to make Noland\u2019s Roofing a payee on any disbursement check. Here, the chosen vendor is Noland\u2019s Roofing. HICA\u2019s corporate representative also acknowledged that the goal of HICA\u2019s lawsuit was to recover the replacement cost of Caruso\u2019s roof, plus interest and related costs.<\/p>\n<p>There was no genuine dispute that consistent with the assignment\u2019s terms, any funds recovered by HICA will go to Noland\u2019s Roofing. As the trial court found, this mandatory pass-through of benefits from HICA to Noland\u2019s Roofing places the assignment within the broad reach of section 627.7152. Even though HICA will not personally scale Caruso\u2019s house to repair his roof, it is seeking funds to facilitate those repairs.<\/p>\n<p>The assignment HICA relies on is an \u201cassignment agreement\u201d under section 627.7152.<\/p>\n<p>The legislature mandated that such assignments comply with all other provisions of that statute. Because the assignment here did not do so, it is \u201cinvalid and unenforceable.\u201d Without a valid assignment, HICA has no standing to sue American Integrity.<\/p>\n<p>Because the state of Florida found that there was an abuse by roofers, contractors, and others by use of the assignment of benefits increasing unnecessary litigation impacting the availability of insurance for citizens of Florida, enacted a statute to limits the assignments. The statute was violated by Plaintiff HICA and its suit was found to be based upon an invalid and unenforceable assignment.<\/p>\n<p><img loading=\"lazy\" data-recalc-dims=\"1\" decoding=\"async\" class=\"size-medium wp-image-302787 alignleft\" src=\"https:\/\/i0.wp.com\/zalma.com\/blog\/wp-content\/uploads\/2024\/12\/BZTHEA.png?resize=300%2C282\" alt=\"\" width=\"300\" height=\"282\" srcset=\"https:\/\/i0.wp.com\/zalma.com\/blog\/wp-content\/uploads\/2024\/12\/BZTHEA.png?resize=300%2C282 300w, https:\/\/i0.wp.com\/zalma.com\/blog\/wp-content\/uploads\/2024\/12\/BZTHEA.png?resize=1024%2C964 1024w, https:\/\/i0.wp.com\/zalma.com\/blog\/wp-content\/uploads\/2024\/12\/BZTHEA.png?resize=768%2C723 768w, https:\/\/i0.wp.com\/zalma.com\/blog\/wp-content\/uploads\/2024\/12\/BZTHEA.png?w=1070 1070w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\"\/>(c) 2025 Barry Zalma &amp; ClaimSchool, Inc.<\/p>\n<p>Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos.<\/p>\n<p>Subscribe to my substack at <a class=\"link\" href=\"https:\/\/barryzalma.substack.com\/subscribe\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/barryzalma.substack.com\/subscribe<\/a><\/p>\n<p>Go to X @bzalma; Go to Newsbreak.com <a class=\"link\" href=\"https:\/\/www.newsbreak.com\/@c\/1653419?s=01;\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.newsbreak.com\/@c\/1653419?s=01;<\/a> Go to Barry Zalma videos at Rumble.com at <a class=\"link\" href=\"https:\/\/rumble.com\/account\/content?type=all;\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/rumble.com\/account\/content?type=all;<\/a> Go to Barry Zalma on YouTube- <a class=\"link\" href=\"https:\/\/www.youtube.com\/channel\/UCysiZklEtxZsSF9DfC0Expg\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.youtube.com\/channel\/UCysiZklEtxZsSF9DfC0Expg<\/a><\/p>\n<p>Go to the Insurance Claims Library \u2013 <a class=\"link\" href=\"https:\/\/lnkd.in\/gwEYk\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/lnkd.in\/gwEYk<\/a><\/p>\n<div class=\"sharedaddy sd-block sd-like jetpack-likes-widget-wrapper jetpack-likes-widget-unloaded\" id=\"like-post-wrapper-40151789-302975-67854ce861fc5\" data-src=\"https:\/\/widgets.wp.com\/likes\/?ver=14.2.1#blog_id=40151789&amp;post_id=302975&amp;origin=zalma.com&amp;obj_id=40151789-302975-67854ce861fc5&amp;n=1\" data-name=\"like-post-frame-40151789-302975-67854ce861fc5\" data-title=\"Like or Reblog\">\n<h3 class=\"sd-title\">Like this:<\/h3>\n<p><span class=\"button\"><span>Like<\/span><\/span> <span class=\"loading\">Loading&#8230;<\/span><\/p>\n<p><span class=\"sd-text-color\"\/><a class=\"sd-link-color\"\/><\/div>\n<p><h3 class=\"jp-relatedposts-headline\"><em>Related<\/em><\/h3>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>\u00a0See the full video at https:\/\/rumble.com\/v67j464-assignment-invalid-for-failure-to-comply-with-statutory-requirement.html\u00a0 and at https:\/\/youtu.be\/KH9tHP8Iuzc Holding Insurance Companies Accountable, LLC (\u201cHICA\u201d) challenged the entry of summary judgment for American Integrity Insurance Company of Florida (\u201cAmerican Integrity\u201d). HICA, as an assignee of post-loss insurance benefits, sued American Integrity for breach of contract. The trial court ruled that HICA lacked standing to sue [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":26144,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[3026,17815,11211,17814,17817,17816],"dealstore":[],"offerexpiration":[],"class_list":["post-26143","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-assignment","tag-comply","tag-failure","tag-invalid","tag-requirement","tag-statutory"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Assignment Invalid for Failure to Comply With Statutory Requirement - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=26143\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assignment Invalid for Failure to Comply With Statutory Requirement - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"\u00a0See the full video at https:\/\/rumble.com\/v67j464-assignment-invalid-for-failure-to-comply-with-statutory-requirement.html\u00a0 and at https:\/\/youtu.be\/KH9tHP8Iuzc Holding Insurance Companies Accountable, LLC (\u201cHICA\u201d) challenged the entry of summary judgment for American Integrity Insurance Company of Florida (\u201cAmerican Integrity\u201d). HICA, as an assignee of post-loss insurance benefits, sued American Integrity for breach of contract. The trial court ruled that HICA lacked standing to sue [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=26143\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-13T17:27:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/01\/ASSIGNMENT-OF-BENEFITS-300x169.png\" \/>\n\t<meta property=\"og:image:width\" content=\"300\" \/>\n\t<meta property=\"og:image:height\" content=\"169\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=26143#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=26143\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"Assignment Invalid for Failure to Comply With Statutory Requirement\",\"datePublished\":\"2025-01-13T17:27:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=26143\"},\"wordCount\":944,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=26143#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/01\/ASSIGNMENT-OF-BENEFITS-300x169.png\",\"keywords\":[\"assignment\",\"Comply\",\"Failure\",\"Invalid\",\"Requirement\",\"Statutory\"],\"articleSection\":[\"Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=26143#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=26143\",\"url\":\"https:\/\/fivemor.com\/?p=26143\",\"name\":\"Assignment Invalid for Failure to Comply With Statutory Requirement - 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Som2ny Network","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fivemor.com\/?p=26143","og_locale":"en_US","og_type":"article","og_title":"Assignment Invalid for Failure to Comply With Statutory Requirement - Som2ny Network","og_description":"\u00a0See the full video at https:\/\/rumble.com\/v67j464-assignment-invalid-for-failure-to-comply-with-statutory-requirement.html\u00a0 and at https:\/\/youtu.be\/KH9tHP8Iuzc Holding Insurance Companies Accountable, LLC (\u201cHICA\u201d) challenged the entry of summary judgment for American Integrity Insurance Company of Florida (\u201cAmerican Integrity\u201d). HICA, as an assignee of post-loss insurance benefits, sued American Integrity for breach of contract. 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