Insurance -- Homeowners -- Standing -- Assignment -- Validity -- Assignment of post-loss benefits under homeowners policy is invalid and unenforceable where assignment does not contain written itemized per-unit cost estimate of services to be performed by assignee -- Itemized…

Insurance -- Homeowners -- Conditions precedent -- Notice of intent to initiate litigation -- Presuit notice requirement of section 627.70152 is substantive in nature and does not apply retroactively to policy in effect at time statute was enacted