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About Me

I have a national insurance coverage practice representing a variety of insurers on property insurance disputes and claims for extracontractual damages.  I am a Board Certified Civil Trial Lawyer in Florida and a certified circuit civil mediator.   Over the years I have participated in the leadership of a number ofprofessional organizations as reflected in teh associations portion of this website.  In addition, I have published a number of articles in my field of practice and frequently lecture at professional conferences.

In addition to my legal work, I serve as a member of the Cottey College Board of Trustees. 

I have served as an expert witness in insurance coverage and bad faith suits.  My work also includes selection as an appraiser, arbitrator and umpire in both insurance appraisals and arbitration proceedings.



Practice Areas


  1. Insurance: 70%
    38 years
  2. Insurance Fraud: 20%
    38 years
  3. Mediation: 10%
    20 years

Attorney Endorsements

1 total 

  • Wayne D. Taylor

    Janet is an outstanding attorney that I have had the great opportunity to work with on numerous occasions. Janet is exceptionally bright, hard-working and knowledgeable. I highly recommend Janet and her firm.


    Wayne Taylor Litigation Attorney
    Relationship: Worked together on matter

Contact Info

Boehm Brown Harwood, P.A.

1060 Maitland Center Commons Blvd.
Ste. 365
Maitland, FL, 32751


FLMember in Good Standing197709/08/2015

Professional Misconduct

We have not found any instances of professional misconduct for this lawyer.
Avvo Contributions
Legal Answers
Award NameGrantorDate Granted
Inaugural Presidential Recognition AwardWindstorm Insurance Network2009
Outstanding PresentationPLRB2006
Cottey College Distinguished Alumna CitationCottey College1999
Andrew C. Hecker Memorial AwardTIPS section of ABA1997
Ed Meshalko AwardFlorida Advisory Committee on Arson Prevention1994
Martindale-Hubbell Law Directory "AV" RatingMartindale-HubbellN/A
Work Experience
TitleCompany NameDuration
Attorney/ PartnerBoehm Brown Harwood, P.A.1976 - Present
Association NamePosition NameDuration
American College of Coverage and Extracontractual CounselFounding Member2013 - Present
Windstorm Insurance NetworkMember, Former President, Faculty2000 - Present
Federation of Defense and Corporate CounselMember1991 - Present
National Forum for Property Loss ProfessionalsFaculty Member1990 - 1996
International Association of Defense CounselN/A1986 - 2007
TIPSCouncil Member1986 - 1990
Property Loss Research BureauFaculty Member1985 - Present
Florida Advisory Committee on Arson PreventionChairman, Former Member of Board of Directors1982 - Present
Loss Executives AssociationN/AN/A
American Arbitration AssociationN/AN/A
International Association of Arson InvestigatorsN/AN/A
Defense Research InstituteN/AN/A
Publication NameTitleDate
PLRB & FDCC's Critical Issues for Senior Property Insurance Executives and In-House Counsel, Co-author Michael E. SchroderAppraisal2002
PLRB and FDCC's Critical Issues for Senior Property Insurance Executives and In-House CounselAppraisal2001
Defense Research Institute (DRI) - Construction Related Coverage IssuesApplication of Builders Risk Insurance to Defective Construction1997
Michie CompanyThe Laymen's Guide to Virginia Law1997
TIPS/ABAProperty Insurance Issues in Catastrophe Losses - Chapter 71996
Matthew Bender publicationInsuring Real Property Multi Peril Coverage, Chapter 71989
American Bar Association JournalGrowing Liability for Premises Owners1986
Property Loss Research BureauIs the One-Year Construction Contract Limitation a Valid Defense to the Claims of the Insured?1985
School NameMajorDegreeGraduated
American Institute for Property and Liability Underwriters, Inc.Insurance DesignationC.P.C.U.1987
Bar AdmissionN/AN/A1977
William & Mary Law SchoolLawlaw1976
Mariette CollegeN/AB.S., Political Science/History1973
Cottey CollegeN/AA.A., Liberal Arts1971
Speaking Engagements
Conference NameTitleDate
24th National Advanced Forum on Bad Faith LitigationInvoking the Appraisal Provision, Setting up the Appraisal Process, and Avoiding Common Pitfalls2013
Reid, Jones, McRorie & Williams, Inc. 13th Annual Catastrophe ConferenceDeposition Rules of the Road: From Ignition to Cruise Control2011
PCS 20th Annual Catastrophe ConferenceJudicial Decisions and Catastrophe Claims Update2011
Rimkus Consulting Group, Inc. 5th Annual Continuing Education SeminarTrial, Tribulations and Pitfalls of Appraisal Process2010
2010 PCS Catastrophe ConferenceJudicial Decisions Affecting Catastrophe Claims2010
PLRB/LIRB Claims Conference Critical Issues for Senior Property Insurance Executives and In-House CounselAppraisal Provisions in Property Policies2006
Plenary Session - Winter Meeting FDCCLife After Katrina and Rita2006
Insurance Coverage and Practice SymposiumKatrina's Second Wave - Business Interruption and Civil Authority Issues in Property Insurance2006
Critical Issues for Senior Insurance Executives and In-House CounselThe Waning Widsom of Appraisal? Let's Talk: Three Regional Perspectives2006
Mid-Winter Educational ProgrsmHurricanes 2004 - What are the Challenges and Responses?2005
Insurance Coverage and Claims InstituteProperty Appraisals2005
Experts and Ethics: Are the Rules Changing?Finding, Drilling and Mobilizing the Troops - Locating and Using Testifying and Consulting Experts2005
PLRB and FDCC's Critical Issues for Senior Property Insurance Executives and In-House CounselCritical Issues Involving Construction2004
International Liability Seminar, Melbourne & Sydney, AustraliaClass Actions2004
ABA/TIPS Property Insurance Law Committee MeetingTo Sue (and Labor) or Not?2003
NAPIA ConferenceStrategies and Techniques of Appraisal: Choosing an Umpire and Negotiating an Award2002
Mealey's Business Interruption ConferenceMeaning of Occurrence - Ramifications of Status Within the Insurance Policy2002
Australian Insurance Law Association ConferenceFood for Thought...Where Lies the Pendulum Between the Insurer and the Policyholder on the Scale of Duties of Good Faith2002
DRI First Party Property SeminarPersonal Liability of Adjusters and Other Claims Professionals2000
ABA/TIPS Annual MeetingRecent Developments in U.S. Property and Casualty Insurance Law2000
The Ultimate Y2K Property Insurance SeminarThe Inherent Vice Exclusion and its Effect Upon 2000 Property Insurance Claims1999
Mealey's Bad Faith Litigation ConferenceThe Foundation for Good Faith: Fulfilling Duties of Investigation and Communication1997
DRI Program for Insurance Fraud & Suspicious ClaimsHow To Avoid Bad Faith Lawsuits and Control Discovery If You Get Sued1997
ABA/TIPS Property Insurance Law Committee MeetingThe Sick Building Syndrome1996
ABA/TIPS National CLE Program on "Insurance Coverage for Defective Construction Litigation"Application of Builders Risk Insurance to Defective Construction1996
ABA Tort and Insurance Practice Section Insurance Coverage Litigation CommitteeThe Lost, Missing or Destroyed Policy: Proof Problems and Other Evidentiary Issues1995
Property Insurance Law Committee Mid-Winter MeetingProving the Amount of the Loss When There is Nothing Left to See: Snapshots, Lies and Videotapes1994
FICC Annual MeetingEffective Utilization of Alternative Dispute Resolution in Catastrophe Settings1994
Insurance:Third Party LiabilityDetecting and Defending the Fraudulent Third-Party Claim1993
Bad Faith Claims: The Ever-Present Threat of Extra-Contractual and Punitive DamagesThe Claims Professional as a Defendant: Is There Exposure to Personal Liability1993
1993 FICC Winter MeetingDiscrimination Claims: Must the Insurer Defense or Indemnify Its Insured?1993
ABA/TIPS Spring MeetingInformation Acquisition and Management Alternatives to Discovery1991
Tort and Insurance Practice SectionTechniques for Direct and Cross-Examination1990
Vehicle Collision LitigationCross Examination Techniques for a Vocational Rehabilitation Psychologist1989
Insurance Third Party Liability ProblemsThe Status of Punitive Damages in Third Party Tort Litigation1989
Environmental Claims and Property CoverageThe Sick Building Syndrome1989
Bad Faith First Party Insurance ClaimsThe Exposure of the Adjuster or Other Claims Persons to Personal Liability1989