Carrier DisputesApr 27, 2026
Case Law Update: California Court Victory in Water Loss Denial Case
California appellate court reverses summary judgment in water damage case, rejecting State Farm's continuous seepage exclusion argument.
Read Analysis →Updated Daily · For Claims Professionals
Case Law and Industry Insights
Florida property insurance court decisions and industry insights — curated daily for public adjusters and claims professionals.
Categories:
Property InsuranceApr 27, 2026
Case Law Update: Court Rejects Carrier's Coverage Reclassification
Florida appellate court prevents Citizens from artificially reclassifying attached structure damage to limit Coverage A payments.
Read Analysis →Property InsuranceApr 27, 2026
Case Law Update: Citizens 2026 Consent Order Maintains Rate Structure
OIR 2026 order reaffirms Citizens rate requirements and residual market function. Analysis of impacts for public adjusters and claims professionals.
Read Analysis →Property InsuranceApr 27, 2026
Case Law Update: Citizens Rate Cap Increase Approved for 2022-2026
Florida OIR approves Citizens Property Insurance rate increases up to 15% annually by 2026. Key impacts for public adjusters and policyholders.
Read Analysis →Property InsuranceApr 26, 2026
Industry Insight: How Filing Claims Drives Insurance Customer Attrition
Analysis reveals disconnect between insurer marketing promises and claim experience reality, driving policyholder abandonment after filing claims.
Read Analysis →Property InsuranceApr 26, 2026
Case Law Update: Citizens Property Insurance 2025 Rate Filing Decision
OIR Final Order establishes 14% rate increase cap for Citizens Property Insurance in 2025, continuing graduated increase structure through public hearing process.
Read Analysis →Property InsuranceApr 26, 2026
Case Law Update: Citizens Property Insurance 2026 Rate Filing Order
OIR approves Citizens Property Insurance 2026 rate filings emphasizing actuarial soundness and non-competitive positioning in voluntary market.
Read Analysis →Property InsuranceApr 26, 2026
Case Law Update: Citizens Property Insurance Rate Increase Caps Extended
OIR approves Citizens Property Insurance rate filing establishing 11%-15% annual increase caps through 2026, impacting Florida property insurance market.
Read Analysis →Carrier DisputesApr 25, 2026
Case Law Update: California Court Victory on Water Loss Coverage Denials
California appellate court reverses summary judgment for State Farm in water loss case, rejecting continuous seepage exclusion defense.
Read Analysis →Property InsuranceApr 25, 2026
Case Law Update: Florida Court Rejects Carrier's Coverage Reclassification
Third DCA rules against Citizens' attempt to reclassify attached iron fence as Coverage B instead of Coverage A in vehicle impact case.
Read Analysis →Property InsuranceApr 25, 2026
Case Law Update: Citizens Property Insurance 2025 Rate Order Analysis
Analysis of Citizens Property Insurance Corporation's 2025 final order implementing 14% rate cap increases for personal and commercial property coverage.
Read Analysis →Property InsuranceApr 25, 2026
Case Law Update: Citizens Property Insurance 2026 Consent Order Analysis
Examination of Citizens Property Insurance Corporation's 2026 consent order addressing personal and commercial property rate filings under Commissioner Yaworsky.
Read Analysis →Property InsuranceApr 25, 2026
Industry Insight: Citizens Property Insurance 2022 Rate Filing Changes
Analysis of Citizens Property Insurance Corporation's 2022 rate filings and the statutory rate increase cap modifications for residential and commercial properties.
Read Analysis →Property InsuranceApr 24, 2026
Case Law Update: Nargizyan v. State Farm - Water Loss Victory
California appellate court rules against State Farm in water loss case, rejecting continuous seepage exclusion for burst pipe claims.
Read Analysis →Property InsuranceApr 24, 2026
Case Law Update: Citizens Rate Mandate Reinforced in 2026 OIR Order
Florida OIR's 2026 Final Order reaffirms Citizens' role as residual market mechanism with non-competitive rate requirements and actuarial soundness standards.
Read Analysis →Property InsuranceApr 24, 2026
Case Law Update: Citizens Rate Cap Structure Reinforced by OIR Order
Florida OIR's 2022 Final Order establishes Citizens' annual rate increase caps from 11% to 15% over five-year period, impacting policyholder costs.
Read Analysis →Property InsuranceApr 23, 2026
Industry Insight: The Claims System Crisis - Why Insurers Are Failing
Expert analysis reveals the worst conduct in claims handling now comes from insurers, not policyholders, with critical implications for public adjusters.
Read Analysis →Property InsuranceApr 23, 2026
Case Law Update: State Farm's Settlement Leverage Tactics in Florida
Analysis of State Farm's new settlement tactics using Florida's proposal for settlement statute as leverage against policyholders.
Read Analysis →Property InsuranceApr 23, 2026
Industry Insight: Filing Claims Drives Customer Departures - Impact on PAs
Analysis of the growing disconnect between insurance marketing promises and claims reality, with implications for public adjusters and policyholders.
Read Analysis →Property InsuranceApr 23, 2026
Case Law Update: Citizens 2025 Rate Order Sets 14% Annual Cap
OIR Final Order 2025-15 approves Citizens Property Insurance rate filings with 14% annual increase cap, continuing progressive rate structure through 2026.
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