        DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA
                                FOURTH DISTRICT

       EMERGENCY SERVICES 24, INC. a/a/o JAY MEISELMAN,
                         Appellant,

                                        v.

               UNITED PROPERTY & CASUALTY INS. CO.,
                            Appellee.

                        Nos. 4D14-576 & 4D14-3320

                                [ May 20, 2015 ]

   Consolidated appeal from the Circuit Court for the Fifteenth Judicial
Circuit, Palm Beach County; Janis Brustares Keyser, Judge; L.T. Case No.
502011CA007170.

    Mitchell B. Haller of Katzman Garfinkel, P.A., Margate, for appellant.

    Andrew A. Labbe of Groelle & Salmon, P.A., Tampa, and Sarah Lahlou-
Amine of Buchanan Ingersoll & Rooney PC / Fowler White Boggs, Tampa,
for appellee.

TAYLOR, J.

   In Case Number 4D14-576, appellant, Emergency Services 24 (“ES24”),
as an alleged assignee of the insured under a homeowner’s policy, appeals
a final summary judgment entered in favor of United Property and
Casualty Insurance Company in ES24’s lawsuit for breach of contract.
Because the trial court erred in finding that the anti-assignment clause
and the loss payment provision precluded the assignment, we reverse and
remand for further proceedings. See One Call Prop. Servs. v. Sec. First Ins.
Co., No. 4D14-424 (Fla. 4th DCA May 20, 2015).

   We emphasize, however, that we decline to reach any of the insurer’s
other challenges to the assignment, including whether the assignment
violates the public adjuster statute or the statute governing insurable
interests,1 or whether the assignment is a partial assignment that cannot

1 For the trial court’s benefit on remand, we note that the Fifth District recently
held that a post-loss assignee is not required to have an insurable interest at the
time of loss. See Accident Cleaners, Inc. v. Universal Ins. Co., 2015 WL 1609973
be enforced against the insurer without its consent. The trial court should
address these issues in the first instance. See Stark v. State Farm Fla. Ins.
Co., 95 So. 3d 285, 289 n.4 (Fla. 4th DCA 2012) (declining to apply the
tipsy coachman doctrine and explaining that an appellate court should not
ordinarily decide issues not ruled on by the trial court in the first instance).

    In Case Number 4D14-3320, the insurer appeals a final order denying
its motion for attorney’s fees on the ground that its proposal for settlement
was invalid. Because we are reversing the summary judgment in favor of
the insurer, the question of whether the insurer is entitled to attorney’s
fees is premature. We therefore reverse and vacate the order denying
attorney’s fees without expressing any opinion as to the validity of the
proposal for settlement.

   Reversed and Remanded.

DAMOORGIAN, C.J., and MAY, J., concur.

                              *          *          *

   Not final until disposition of timely filed motion for rehearing.




(Fla. 5th DCA Apr. 10, 2015). The court explained that the legislature, in enacting
section 627.405, Florida Statutes, “did not state that it was displacing well-
settled common law of (1) the free assignability of contractual rights to recover or
(2) the inability for insurers to restrict post-loss assignments.” Id. at *2.

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