10 Fla. L. Weekly Supp. 550a
Insurance — Life — Attorney’s fees — Attorney is entitled to pre-suit fees where insurer had already unequivocally denied coverage and reiterated denial prior to attorney’s involvement — Contingency risk multiplier — Where accidental death benefit of elderly insured, who had several serious health conditions for which he took blood thinning agent and who died due to loss of blood following surgery for leg fracture, excluded coverage if death was contributed to by sickness or its medical or surgical treatment, attorneys could not mitigate risk of non-recovery, standard 40% fee contract would not adequately compensate attorneys, risk was substantial and success was unlikely at outset, and attorneys could not have predicted that claims adjuster would cause insurer to concede case by admitting that insurer had repeatedly violated fair claims standards, multiplier of 2.5 is appropriate — Appropriate market rates for attorneys determined — Time spent to obtain entitlement to attorney’s fees is compensable — Costs, including witness fee of attorney’s fees expert, awarded