Chalfonte Condominium Apartment Association, Inc. v. QBE Insurance Corporation

In October 2005, Hurricane Wilma caused extensive damage to property owned by Chalfonte Condominium Apartment Association, Inc. (“Chalfonte”). Chalfonte filed a claim with its property insurer, QBE Insurance Corporation (“QBE”), pursuant to an insurance policy providing property coverage to Chalfonte. Chalfonte submitted an estimate of damages to QBE in December 2005 then submitted a sworn proof of loss to QBE in July 2006. After a period of time, Chalfonte became dissatisfied with QBE’s investigation and processing of its claim and filed suit against QBE in federal district court. In its…