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Charles Modzelewski, a member of Robinson+Cole’s Insurance + Reinsurance Group, represents commercial insurers in a broad range of coverage matters and disputes. Mr. Modzelewski advises insurers on property insurance coverage obligations related to both commercial and homeowners insurance policies. He also represents insurers when a dispute arises over coverage. He assists insurers with claims and lawsuits involving property damage due to natural disasters such as earthquakes, sinkholes, landslides, floods, hurricanes, and fires. Read Charles' bio.

Notice provisions in property insurance policies typically require the insured to promptly provide notice of a loss to the insurer. Despite the plain language requiring prompt notice, some jurisdictions require that an insured’s late notice cause some prejudice to the insurer in order to make a finding of no coverage. The court’s decision in De La Rosa v. Fla. Peninsula Ins. Co., 2018 Fla. App. LEXIS 6893 (Fla. Dist. Ct. App. May 16, 2018), demonstrates the consequences of failing to provide prompt notice that resulted in prejudice to the insurer. 
Continue Reading Late Notice in Florida: Appellate Court Affirms Finding of No Coverage Where Insurer Prejudiced In Determination of Extent of Damage