Third District Court of Appeal
                               State of Florida

                          Opinion filed January 11, 2017.
         Not final until disposition of timely filed motion for rehearing.

                               ________________

                               No. 3D16-389
                         Lower Tribunal No. 13-741-P
                            ________________


                               Mario Gamero,
                                    Appellant,

                                        vs.

                     Foremost Insurance Company,
                                    Appellee.



      An Appeal from the Circuit Court for Monroe County, Luis M. Garcia,
Judge.

     Alvarez, Carbonell, Feltman, & DaSilva and Paul B. Feltman, for appellant.

     Butler Weihmuller Katz Craig, Timothy Engelbrecht and Ezequiel Lugo
(Tampa), for appellee.


Before SUAREZ, C.J., and WELLS and EMAS, JJ.

     EMAS, J.
      Mario Gamero, the plaintiff below, appeals the trial court’s orders denying

his motion for summary judgment, granting Foremost Insurance Company’s

motion for summary judgment, and entering final judgment in favor of Foremost.

Following our de novo review, and for the reasons that follow, we affirm.

      Gamero’s home sustained damage when a vase fell and cracked two floor

tiles in the living room. Gamero filed a claim to recover for this damage under the

policy and, in turn, Foremost initially accepted coverage and offered payment in

the amount of nearly $4000. Gamero disagreed as to the amount of the loss and

invoked the policy’s appraisal provision.      An appraisal panel determined the

replacement cost value of the loss was $18,863.41, and stated that this

determination was “made without consideration of any other terms, conditions,

provisions or exclusions of the above policy, which might affect or [sic] the

amount of the insurer’s liability thereunder.” The appraisal amount reflected the

cost for replacement of the tile throughout the entire home.

      Thereafter, Foremost sent a letter to Gamero explaining that only $8,781.27

of the appraisal amount was covered by the policy, and issued payment in the

amount of $3,801.59, after subtracting the policy deductible ($250), depreciation

($815.99) and the original payment ($3,913.69). Foremost asserted that the cost of

replacing tile in the rest of the house ($10,082.14) was not covered under the

policy.



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      On February 7, 2014, Gamero filed a complaint for breach of contract. The

complaint alleged that Foremost “refuse[d] to provide coverage or payment to the

Insured for their losses stemming from the Loss, as they are entitled to under the

Policy.” Foremost filed an answer denying any breach of contract and asserted, as

an affirmative defense, that the policy’s marring exclusion applied and that there

was no coverage for this claim. Gamero did not file a Reply to Foremost’s

affirmative defense.

      Each party filed a motion for summary judgment. Following a hearing on

the motions, the trial court determined there was no genuine issue of material fact,

and that, as a matter of law, Gamero’s loss was excluded from coverage under the

terms of the policy.    The trial court denied Gamero’s motion for summary

judgment, granted Foremost’s motion for summary judgment, and entered

judgment thereon.

      We affirm the trial court’s orders, and hold that the damage to the floor tiles

was a loss that constituted “marring,” which was expressly excluded from

coverage under the terms of the insurance policy. In this regard, we agree with the

analysis and holding of Ergas v. Universal Property and Casualty Insurance Co.,

(Fla. 4th DCA 2013), a case virtually identical in material respects,

involving a dropped item causing chipped floor tiles and a similar coverage




                                         3
exclusion clause for “loss [c]aused by . . . [w]ear and tear, marring, deterioration . .

. .”1

         We reject Gamero’s argument that Foremost waived its right to rely upon

the marring exclusion by its pre-suit conduct in initially acknowledging coverage

and paying a portion of the claim. Moreover, even if such actions by Foremost

amounted to a waiver,2 Gamero failed to preserve the issue below. After Gamero

filed suit for breach of the insurance contract, Foremost answered and asserted, as

an affirmative defense, that Gamero’s claim was excluded from coverage because

the loss constituted marring. Gamero, however, failed to reply to, or avoid, this

affirmative defense by alleging, as he does in this appeal, that the affirmative

defense was waived by Foremost’s conduct in initially acknowledging coverage

and paying a portion of the claim. Instead, Gamero raised this issue, for the first

1   In 

, the Fourth District stated:

         The insured dropped a hammer on his tile floor, causing it to chip. He
         filed a claim for damage with his homeowner’s insurance company
         which denied coverage, because it claimed that the damage
         constituted “marring” which was excluded from coverage. After the
         homeowner filed suit, the trial court entered summary judgment,
         agreeing with the insurance company that the damage was not covered
         under the policy. We affirm, because marring is not covered under
         the policy, and the damage to the tile floor constitutes marring.
2Neither the parties nor this court could find a reported Florida case in support of,
or opposition to, this discrete proposition. Nevertheless, to the extent that
Gamero’s argument approximates a claim of coverage by estoppel, such a theory
cannot be relied upon to create coverage where none exists. See Crown Life Ins.
Co. v. McBride, 

(Fla. 1987).

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time, in opposition to Foremost’s motion for summary judgment. The trial court

was correct in not considering this issue, raised for the first time in opposition to

Foremost’s motion for summary judgment. See Fla. R. Civ. P. 1.100(a) (providing

“[i]f an answer . . . contains an affirmative defense and the opposing party seeks to

avoid it, the opposing party shall file a reply containing the avoidance”); see also

Fla. R. Civ. P. 1.110(d) (providing that “[i]n pleading to a preceding pleading a

party shall set forth affirmatively . . . any other matter constituting an avoidance or

affirmative defense”); Lobrillo v. Brokken, 

(Fla. 3d DCA 2002)

(holding that defendants’ failure to plead affirmative defense of statute of

limitations in their answer to complaint precluded trial court from considering such

defense and granting defendants’ motion for summary judgment on that basis);

Accurate Metal Finishing Corp. v. Carmel, 

(Fla. 3d DCA 1971)

(holding that affirmative defenses must be pleaded and are not properly raised for

the first time in an affidavit filed in opposition to a motion for summary judgment);

Frisbie v. Carolina Cas. Inc. Co., 

(Fla. 5th DCA 2015) (holding

that plaintiff should have raised the issue of unclean hands in a reply to defendant’s

affirmative defenses, rather than raising the issue for the first time in a motion for

summary judgment); Cong. Park Office Condos II, LLC v. First-Citizens Bank &

Trust Co., 

(Fla. 4th DCA 2013) (holding that defendant who failed




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to plead affirmative defense of lack of standing could not assert such defense for

first time in response to plaintiff’s motion for summary judgment).3

      Affirmed.




3 The other issues raised by Gamero are not meritorious and warrant no further
discussion.

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