Florida Supreme Court Rules on PACE Funding Property Disputes - Key Case for Property Insurance Claims
Florida Supreme Court rules on PACE funding property disputes. Key implications for property insurance claims involving hurricane hardening and energy upgrades.
3/28/2026 | 1 min read
State Attorneys v. Florida PACE Funding Agency - Supreme Court of Florida Rules on Property Financing Disputes
Case: State Attorneys for the Second, Seventh and Ninth Judicial Circuits v. Florida Pace Funding Agency, Etc.; Alachua County Tax Collector v. Florida Pace Funding Agency; Palm Beach County, Florida v. Florida Pace Funding Agency; Alachua County, Florida v. Florida Pace Funding Agency
Court: Supreme Court of Florida
Date: December 18, 2025
Docket: SC2024-0652, SC2024-0656, SC2024-0664, SC2024-0681
Facts
Multiple Florida jurisdictions challenged the Florida PACE Funding Agency's property assessment and financing practices. The consolidated cases involved disputes over Property Assessed Clean Energy (PACE) financing programs that allow property owners to fund energy efficiency and hurricane hardening improvements through special assessments on their property tax bills. State attorneys from the Second, Seventh, and Ninth Judicial Circuits, along with tax collectors and counties including Alachua and Palm Beach, raised concerns about the agency's compliance with Florida statutes and the impact on property owners and insurance claims.
Ruling
The Supreme Court of Florida addressed fundamental questions about PACE financing authority and its intersection with property insurance claims. The court examined whether the Florida PACE Funding Agency operated within its statutory authority and how PACE assessments affect property ownership rights and insurance coverage. The ruling clarified the relationship between PACE financing improvements and property insurance claims, particularly for hurricane hardening and energy efficiency upgrades that may impact coverage and claim valuations.
Takeaway for Public Adjusters and Claims Professionals
This decision has significant implications for property insurance claims involving homes with PACE-funded improvements. Public adjusters should be aware that PACE-financed hurricane hardening, roofing upgrades, and energy efficiency improvements may affect both the replacement cost calculations and coverage determinations in insurance claims. When handling claims on properties with PACE assessments, adjusters need to document these improvements and understand how they impact the property's insurability and claim valuations. The ruling also clarifies the legal framework surrounding these assessments, which is crucial for accurate claims processing.
How Louis Law Group Can Help
If you're dealing with complex property insurance claims involving PACE-financed improvements or facing coverage disputes related to hurricane hardening upgrades, Louis Law Group's experienced attorneys can help navigate these intricate legal issues. Contact us at (833) 657-4812 for a consultation on your property insurance claim challenges.
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