NORMAN v. STATE FARM FLORIDA INSURANCE COMPANY (2025)

District Court of Appeal of Florida, Third District.

Carla NORMAN, Appellant, v. STATE FARM FLORIDA INSURANCE COMPANY, Appellee.

No. 3D24-1953

Decided: December 31, 2025

Before LINDSEY, GORDO, and GOODEN, JJ.

Scott J. Edwards, P.A., and Scott J. Edwards (Boca Raton); Vyacheslav Borshchukov, P.A., and Vyacheslav Borshchukov (Ft. Lauderdale), for appellant. Russo Lima Appellate Firm, P.A., and Elizabeth K. Russo, Miami, and Paulo R. Lima, for appellee.

We affirm because while the doctrine of waiver may be employed to bar an insurer from effecting the forfeiture of coverage under a policy, it cannot be used to create or extend coverage that does not exist. See Six L's Packing Co. v. Florida Farm Bureau Mut. Ins. Co., 268 So. 2d 560, 563 (Fla. 4th DCA 1972), decision adopted by, 276 So. 2d 37 (Fla. 1973)); see also Universal Prop. & Cas. Ins. Co. v. Jean, 50 Fla. L. Weekly D2488, D2489, ––– So.3d ––––, ––––, 2025 WL 3222483 at *1 (Fla. 4th DCA Nov. 19, 2025).

Affirmed.

PER CURIAM.

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