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Case Law and Industry Insights

Florida property insurance court decisions and industry insights — curated daily for public adjusters and claims professionals.

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Case Law Update: Zayas o/b/o K.K. v. Commissioner - Court Affirms Child SSI Denial

A Tampa federal court affirmed the denial of a child's SSI claim on September 14, 2026. Teacher questionnaires and state agency reviews backed the six-domain finding.

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Case Law Update: Bingham Livestock v. Paccar — Utah Appeals Court Revives Truck Warranty Claims Under the Future-Performance Rule

On Sept. 11, 2026, the Utah Court of Appeals held a repair-or-replace warranty extends to future performance, reviving claims a trial court had dismissed as untimely.

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Case Law Update: Capacity Insurance Enters Eleventh Supervision Extension

Florida OIR extends Capacity Insurance Company's administrative supervision another 120 days as runoff continues. What policyholders and PAs need to know.

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Case Law Update: Singer v. Commissioner — SSDI Denial Reversed Because the ALJ Summarized the Records Instead of Analyzing Them

On Sept. 4, 2026, a Middle District of Florida court reversed an SSDI and SSI denial because the ALJ never explained why he discounted the claimant's testimony about pain.

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Industry Insight: Capacity Insurance Extends Wind-Down Under OIR Supervision

OIR extends Capacity Insurance Company's administrative supervision another 120 days as its runoff continues. What this means for pending claims and policyholders.

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Industry Insight: Amazon Plane Crash Highlights Workers' Comp for Airport Crews

A fatal Amazon cargo plane crash at Miami International Airport killed five aircraft cleaning workers, raising key workers' comp and liability questions.

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Industry Insight: Ryan Protests Citizens' Clearinghouse Award to Brown & Brown

Ryan Specialty formally protests Citizens' award of the commercial clearinghouse contract to Bridge Specialty, delaying Florida's new SB 1028 program.

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Industry Insight: Capacity Insurance Co. Placed Under Extended Supervision

Florida OIR extends Capacity Insurance Company's administrative supervision for an 11th time. Learn what this means for pending and future claims.

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Case Law Update: Davis v. Bisignano, Federal Court Reverses an SSDI Denial Over an Unexplained Two-Step Task Limit

On Sept. 10, 2026, a Middle District of Florida court reversed an SSDI denial because the ALJ called two psychological opinions persuasive but never explained the two-step task limit.

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Industry Insight: New York's Prior-Approval Auto Rate Rule Signals National Trends

New York proposes prior approval for auto rate hikes. Explore what this regulatory trend means for Florida claims professionals and property insurance rates.

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Industry Insight: Insurance Agency Consolidation Continues as Arrow Bank Acquires Skene Valley

Arrow Financial's Upstate Agency to acquire Skene Valley Agency in New York. What ongoing insurance agency consolidation means for policyholders and claims.

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Industry Insight: Florida Overhauls Workers' Comp Rules on Drug Dispensing, I-9s

Florida DWC finalizes new workers' comp rules on physician dispensing and I-9 immigration screening. Learn what claims professionals and PAs need to know.

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Case Law Update: Dondeti v. Jaguar Land Rover, Warranty Suit Recommended for Dismissal Over the $50,000 Federal Threshold

On Sept. 8, 2026, a Texas federal magistrate recommended dismissing a Range Rover owner's Magnuson-Moss warranty suit because he never proved $50,000 was in controversy.

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Industry Insight: Amazon May Escape Liability in Miami Cargo Plane Crash

Amazon's outsourced cargo model may shield it from liability after a fatal Miami plane crash. Key insights for claims professionals and adjusters.

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Industry Insight: Attorney's Fatal Plane Crash Highlights Aviation Liability Risk

The fatal crash of a Miami attorney's private plane near the Bahamas underscores aviation liability and estate planning considerations for professionals.

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Industry Insight: Subsea Cable Sabotage Threat Raises Business Interruption Concerns

Foiled Russian subsea cable sabotage plot near Svalbard highlights emerging infrastructure and business interruption insurance risks for Florida businesses.

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Case Law Update: Progressive American v. Heimler, Fourth DCA Affirms No Coverage Forfeiture Without Proof of Prejudice

Florida's Fourth DCA held on September 9, 2026 that Progressive could not defeat a UM claim over an unauthorized settlement because it failed to prove prejudice. What the ruling means.

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Industry Insight: Miami Runway Crash Raises Property, Liability Claim Issues

An Amazon cargo jet's fatal runway overrun in Miami spotlights complex aviation liability and property damage claims issues for adjusters and insurers.

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Case Law Update: Capacity Insurance Extends Supervision Order Eleventh Time

Florida OIR extends Capacity Insurance Company's administrative supervision again. Learn what this means for pending claims and policyholders statewide.

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Case Law Update: Shephard v. Bisignano — Federal Court in Florida Sends the Same SSDI Denial Back a Second Time

On Aug. 31, 2026, the N.D. Florida reversed and remanded an SSDI denial in Shephard v. Bisignano, No. 5:25-cv-200-MAF, finding the same ALJ again ignored the migraine records.

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