JACOME v. PEOPLE TRUST INSURANCE COMPANY (2024)

Affirmed. See Am. Integrity Ins. Co. v. Estrada, 276 So. 3d 905, 912 (Fla. 3d DCA 2019) (“[F]or an insurer to successfully establish a coverage defense based upon an insured's failure to satisfy post-loss obligations such that an insured forfeits coverage under a policy, the insurer must plead and prove that the insured has materially breached a post-loss policy provision. If the insurer establishes such a material breach by the insured, the burden then shifts to the insured to prove that any breach did not prejudice the insurer.”); see also Arce v. Citizens Prop. Ins. Corp., 388 So. 3d 205, 211-12 (Fla. 3d DCA 2024) (declining to carve out an exception to the rebuttable presumption of prejudice framework where the insurance policy recognizes that coverage can be forfeited only if the insurer is prejudiced by the insured's failure to comply with his or her post-loss obligation to promptly notify the insurer of a loss).

PER CURIAM.