Joseph Cammarata and Judy Cammarata v. State Farm Florida Insurance Company

The insureds appeal a final summary judgment finding that their bad faith action was not ripe. They argue that because the insurer’s liability for coverage and the extent of their damages has been determined, their bad faith action was ripe. The insurer argues that because the insurer’s liability for breach of contract has not been determined, the insureds’ bad faith action was not ripe. Based on Florida Supreme Court case law, we are compelled to agree with the insureds’ argument. We hold that an insurer’s liability for coverage and the extent of damages, and not necessarily an insurer’s…