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.

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Industry Insight: NY Issues Cybersecurity Guidance for AI Threat Climate

New York DFS releases cybersecurity guidance for financial services amid heightened AI-driven threats. Key implications for insurers and claims handling.

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Industry Insight: Three New HO Carriers Enter Florida Market

Three new property insurers bring $850M in capital to Florida's improving market as condo insurance competition reaches 15-year high following legislative reforms.

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Industry Insight: Questionable Engineering Reports Threaten Claims Process

Florida engineers face ethical challenges in property damage claims. Learn how substandard reports impact public adjusters and policyholders' rights.

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Industry Insight: Miami Developer's $89M Fraud Conviction Impact

Rishi Kapoor's guilty plea in $89M fraud scheme highlights risks for Florida property investors and insurance implications for development projects.

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Industry Insight: Inszone's Florida Entry Signals Market Consolidation

Inszone's acquisition of Coastal Insurance Services marks significant consolidation in Florida's insurance brokerage market. Impact analysis for adjusters.

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Industry Insight: Florida Insurer Executive Pay Packages Draw Scrutiny

Safepoint Holdings executives earned $20M+ in 2025 while Slide Insurance leaders sell millions in stock, raising questions about compensation priorities.

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Industry Insight: Georgia Agent Fraud Case Highlights COI Risks

Georgia insurance agent charged with premium theft and fake COIs. Key lessons for public adjusters on certificate verification and coverage validation.

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Industry Insight: Florida Surplus Lines HO Premiums Match Admitted Market

Florida surplus lines homeowners premiums now average $3,500, matching admitted market rates. Key implications for public adjusters and policyholders.

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Industry Insight: Shepherd Insurance Florida Expansion Signals Agency Consolidation

Shepherd Insurance's acquisition of Arnold Insurance in southwest Florida reflects broader independent agency consolidation trends affecting coverage access.

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Industry Insight: Brightline's $6B Debt Crisis Impacts Florida Infrastructure Coverage

Brightline's looming $6B restructuring ranks among biggest municipal bond workouts. Critical implications for Florida infrastructure insurance coverage.

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Industry Insight: Dream Finders $704M Beazer Bid Signals Construction Market Shifts

Dream Finders' $704M bid for Beazer Homes reflects consolidation pressures in homebuilding. Key implications for property insurance claims and coverage.

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Industry Insight: OpenAI Lawsuit Highlights AI Liability Questions

Florida lawsuit against OpenAI over FSU shooting raises critical questions about AI liability and insurance coverage for technology companies.

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Industry Insight: Marine Insurance Claims Rise After Miami Boat Explosion

Miami boat explosion injuring 12 highlights critical marine insurance coverage gaps and claim challenges for Florida property damage attorneys.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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