In an insurance coverage dispute, it is common for the insured or the insurer to file a lawsuit that includes a claim for declaratory relief — asking the court to render a ruling as to the coverage issue. This claim is proper if an insurer denied coverage or a part of coverage relating to an exclusion or endorsement in the policy, or even if there is the argument that the loss or occurrence did not take place within the policy period. An insurer or insured pursuing an action for declaratory relief must allege:
 there is a bona fide dispute between the parties,  that the moving party has a justiciable question as to the existence or non-existence of some right, status, immunity, power or privilege, or as to some fact upon which the existence of such right, status, immunity, power or privilege does or may de[p]end,  that plaintiff is in doubt as to the right, status, immunity, power or privilege, and  that there is a bona fide, actual, present need for the declaration.
Security First Ins. Co. v. Phillips, 45 Fla. L. Weekly D1426b (Fla. 5th DCA 2020) (citation omitted).
An action for declaratory relief is appropriate in an insurance coverage dispute even if it requires a determination of certain facts under which the obligations under the insurance policy at-issue depends. Id.
If you are involved in an insurance coverage dispute with your insurer, consult with counsel. Please contact me if I can be of assistance. Do NOT try to navigate these waters by yourself. There will be complicated factual and legal issues at stake that will be specifically tied to a coverage determination. You want to make sure the facts are best positioned under the law to maximize an argument for insurance coverage.
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