Lloyd Oliver Hunt and Deborah Hunt v. State Farm Florida Insurance Company

Lloyd and Deborah Hunt appeal the circuit court’s final summary judgment in favor of their insurer, State Farm Florida Insurance Company. The Hunts primarily argue that their untimely pre-suit submission of a sworn proof of loss did not preclude them from recovery under the policy. We disagree and affirm.

By way of background, in October of 2005, the Hunts’ home was damaged by Hurricane Wilma. At the time Hurricane Wilma hit, the Hunts’ home was insured by State Farm. Under their policy, the Hunts were required to provide State Farm with immediate notice of any loss, and to submit a signed,…