Stevens, Stevens v. Florida Peninsula Insurance Company

CourtDistrict Court of Appeal of Florida
DecidedAugust 29, 2025
Docket2D2024-0253
StatusPublished

This text of Stevens, Stevens v. Florida Peninsula Insurance Company (Stevens, Stevens v. Florida Peninsula 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.

Bluebook
Stevens, Stevens v. Florida Peninsula Insurance Company, (Fla. Ct. App. 2025).

Opinion

DISTRICT COURT OF APPEAL OF FLORIDA SECOND DISTRICT

LORETTA STEVENS and GORDON STEVENS,

Appellants,

v.

FLORIDA PENINSULA INSURANCE COMPANY,

Appellee.

No. 2D2024-0253

August 29, 2025

Appeal from the Circuit Court for Pinellas County; Thomas M. Ramsberger, Judge.

Mark A. Nation and Paul W. Pritchard of the Nation Law Firm, Longwood, for Appellants.

Joseph A. Matera and Andrew A. Labbe of Salmon & Salmon, P.A., Tampa; and Kimberly A. Salmon (substituted as counsel of record), for Appellee.

KHOUZAM, Judge. Insureds Loretta and Gordon Stevens appeal a judgment for attorney's fees and costs in favor of Florida Peninsula Insurance Company pursuant to proposals for settlement. Because the trial court correctly found that the proposals were valid and enforceable, we affirm. In 2017, the Insureds filed an action alleging that the Insurer had failed to pay benefits owed under their policy. In 2020, the Insurer served upon both Insureds substantively identical proposals for settlement, each of which contained a general release. The Insureds did not timely accept the proposals, thereby rejecting them. Ultimately, in 2022 the trial court entered summary judgment for the Insurer, who thereafter moved for fees and costs based on the rejected proposals for settlement. By the time of the hearing, the Florida Supreme Court had amended Florida Rule of Civil Procedure 1.442 to require that proposals "exclude nonmonetary terms, with the exceptions of a voluntary dismissal of all claims with prejudice and any other nonmonetary terms permitted by statute." In re Amendments to Fla. R. Civ. P. 1.442, 345 So. 3d 845, 846 (Fla. 2022). The trial court granted the Insurer's motion and entered the judgment we now review. On appeal, the Insureds challenge the proposals as invalid and unenforceable. They contend primarily that the general releases should have invalidated the proposals even before the 2022 rule amendment. But prior to the 2022 rule amendment excluding nonmonetary terms, the mere inclusion of a release was not a bar to enforcement of a proposal for settlement. See, e.g., State Farm Mut. Auto. Ins. v. Nichols, 932 So. 2d 1067, 1080 (Fla. 2006) ("The district courts have consistently held, and we agree, that settlement proposals must clarify which of an offeree's outstanding claims against the offeror will be extinguished by any proposed release."); Carey-All Transp., Inc. v. Newby, 989 So. 2d 1201, 1206 (Fla. 2d DCA 2008) ("[G]eneral releases contained in proposals for settlement are enforceable to further the policy of encouraging settlements." (alteration in original) (quoting Bd. of Trs. of Fla. Atl. Univ. v. Bowman, 853 So. 2d 507, 509 (Fla. 4th DCA 2003)); Sanchez v. Cinque, 238 So. 3d 817, 826-27 (Fla. 4th DCA 2018) (reversing denial of attorney's fees under proposal for settlement containing a release); see also In re Amendments to Fla. R. Civ. P. 1.442,

2 345 So. 3d at 846 (striking language from former rule 1.442(c)(2)(D) that had required a proposal for settlement to "state with particularity all nonmonetary terms of the proposal"). By its own terms, the amendment to rule 1.442 "bec[a]me effective July 1, 2022, at 12:01 a.m." In re Amendments to Fla. R. Civ. P. 1.442, 345 So. 3d at 846. The proposals here had been served and rejected by non-acceptance in 2020, nearly two years prior. "At the time that the proposals for settlement were made and rejected, therefore, the rule amendment was not applicable." Betts v. Ace Cash Express, Inc., 863 So. 2d 1252, 1255 (Fla. 5th DCA 2004). Rather, "an amendment to rule 1.442, Florida Rules of Civil Procedure, [does not apply] in an on-going case where the acceptance period of a proposal for settlement has expired on the effective date of the amendment." Id. at 1253; cf. Love v. State, 286 So. 3d 177, 190 (Fla. 2019) (holding a statutory amendment to Stand Your Ground hearings "is a procedural change in the law and applies to all [such] hearings conducted on or after the statute's effective date" but not to hearings conducted prior thereto). Accordingly, the proposals at issue here are valid and enforceable because they satisfied the law in effect at the time they were made. Finally, we must address our concurring colleague's reading of our decision in Diecidue v. Lewis, 223 So. 3d 1015 (Fla. 2d DCA 2017), as creating a new obligation in the process for proposals for settlement. The concurrence suggests that Diecidue obligates the offeree to promptly notify the offeror of defects in an offer or risk waiving any such objection. But Diecidue merely says the "better practice" is to raise ambiguities before trial, to increase the likelihood of settlement. Id. at 1020. It does not establish any waiver of a challenge to a defective offer,

3 much less simply because the offeree failed to swiftly point out the offeror's deficient work product. Nor do the rule or statute so provide. It is not for this court to add to the plain text of the statute or the rule of procedure to create a new legal requirement not stated by the legislature or the supreme court. Quite to the contrary, over a century ago our supreme court explained: "Even where a court is convinced that the Legislature really meant and intended something not expressed in the phraseology of the act, it will not deem itself authorized to depart from the plain meaning of the language which is free from ambiguity." Forsythe v. Longboat Key Beach Erosion Control Dist., 604 So. 2d 452, 454 (Fla. 1992) (quoting Van Pelt v. Hilliard, 78 So. 693, 694 (Fla. 1918)). The concurrence reads a new risk of waiver for anyone who receives a proposal for settlement. But not only has that waiver never been recognized in any legal authority, it also injects a new pitfall in the process that sets up the troubling result in which a court is required to enforce an offer that was never legally valid. See State v. Atkinson, 831 So. 2d 172, 174 (Fla. 2002) ("A basic tenet of statutory construction compels a court to interpret a statute so as to avoid a construction that would result in unreasonable, harsh, or absurd consequences."). A common example helps illustrate a flaw in the concurrence's reasoning. Where an offer is financially unacceptable to the offeree and also contains a defect such as a fatal ambiguity, the concurrence would require the offeree to promptly notify the offeror of how to fix the financially unacceptable offer in order to have the right to later challenge its legal deficiency. But the law places the burden to comply with the legal requirements to make a valid offer squarely upon the offeror; it is not the responsibility of the offeree to assist the offeror in meeting the offeror's own burden to make a legally compliant offer.

4 Ultimately, we affirm because the trial court correctly found that the proposals were valid and enforceable. Affirmed. LaROSE, J., Concurs. MOE, J., Concurs specially.

MOE, Judge, Specially concurring.

The trial judge correctly enforced the proposal for settlement, so I concur in the majority's decision to affirm. I write separately because my reasons for affirming are not entirely the same. And this case implicates areas of Florida law that, in my view, merit further discussion. Part I explains how I concluded that the trial judge was correct. Within this section, I discuss our precedent in Diecidue v. Lewis, 223 So. 3d 1015, 1020 (Fla. 2d DCA 2017).

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Stevens, Stevens v. Florida Peninsula Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/stevens-stevens-v-florida-peninsula-insurance-company-fladistctapp-2025.