Carla Norman v. State Farm Florida Insurance Company

District Court of Appeal of Florida

Carla Norman v. State Farm Florida Insurance Company

CourtDistrict Court of Appeal of Florida

DecidedDecember 31, 2025

Docket3D2024-1953

StatusPublished

This text of Carla Norman v. State Farm Florida Insurance Company (Carla Norman v. State Farm Florida Insurance Company) is published on Counsel Stack Legal Research, covering District Court of Appeal of Florida primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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Carla Norman v. State Farm Florida Insurance Company, (Fla. Ct. App. 2025).

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Opinion

Third District Court of Appeal State of Florida

Opinion filed December 31, 2025. Not final until disposition of timely filed motion for rehearing.

________________

No. 3D24-1953 Lower Tribunal No. 22-14464-CA-01 ________________

Carla Norman, Appellant,

vs.

State Farm Florida Insurance Company, Appellee.

An Appeal from the Circuit Court for Miami-Dade County, Spencer Eig, Judge.

Scott J. Edwards, P.A., and Scott J. Edwards (Boca Raton); Vyacheslav Borshchukov, P.A., and Vyacheslav Borshchukov (Ft. Lauderdale), for appellant.

Russo Lima Appellate Firm, P.A., and Elizabeth K. Russo, and Paulo R. Lima, for appellee.

Before LINDSEY, GORDO, and GOODEN, JJ. PER CURIAM.

We affirm because while the doctrine of waiver may be employed to

bar an insurer from effecting the forfeiture of coverage under a policy, it

cannot be used to create or extend coverage that does not exist. See Six

L’s Packing Co. v. Florida Farm Bureau Mut. Ins. Co., 268 So. 2d 560, 563

(Fla. 4th DCA 1972), decision adopted by, 276 So. 2d 37 (Fla. 1973)); see

also Universal Prop. & Cas. Ins. Co. v. Jean, 50 Fla. L. Weekly D2488,

D2489 (Fla. 4th DCA Nov. 19, 2025).

Affirmed.

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