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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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Industry Insight: 11th Circuit Lets Florida Enforce Kids' Social Media Law

The 11th Circuit let Florida enforce its under-14 social media ban. Here is what the ruling means for public adjusters, claims professionals and policyholders.

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Case Law Update: Ward-Plaster v. Commissioner — Court Remands Because ALJ Never Explained Missing Headache Limits

On Oct. 13, 2026, a Florida federal court remanded Ward-Plaster v. Commissioner, No. 8:25-cv-02793, because the ALJ never explained omitting headache-related limits from the RFC.

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Industry Insight: Alleged Steel Ground Wire Suit Hits Florida Contractor

A suit alleges copper-clad steel grounding wire was used in Central Florida homes. What it means for PAs, homeowners, and claims tied to construction defects.

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Case Law Update: 10th Gear v. PACCAR — Court Rejects Clean Air Act Preemption of MX-13 Engine Warranty Claim

On Oct. 1, 2026, a federal court in Washington denied PACCAR's motion to dismiss MX-13 fuel-injector claims, holding the Engine Warranty theory not preempted. No. 2:23-cv-01933.

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Case Law Update: Security First v. Annon — Appeals Court Strikes 2.0 Fee Multiplier in Property Insurance Case

On Oct. 9, 2026, Florida's Fifth DCA reversed a 2.0 fee multiplier against Security First in Security First v. Annon, No. 5D2025-1458, leaving a $125,080 lodestar fee.

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Industry Insight: Ransomware Recovery Fraud and Cyber Claims in Florida

A Miami cybersecurity firm owner is indicted for allegedly paying ransoms while billing victims far more. What it means for cyber claims and policyholders.

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Industry Insight: Florida Approves Insurance Coverage Law Certification

The Florida Supreme Court approved a Florida Bar certification in insurance coverage law, effective Jan. 1. See what it means for PAs and policyholders.

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Case Law Update: Owens v. Commissioner — Court Orders Award of Disability Benefits After a Nearly 20-Year Claim

On Sept. 30, 2026, a Florida federal court reversed SSA in Owens v. Commissioner, No. 2:25-cv-506, and ordered benefits awarded from 2005 on a claim first filed in 2006.

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Industry Insight: Hurricane Isaias Claims Lighter Than Feared, With Caveats

Hurricane Isaias caused widespread tree damage and outages but fewer claims than feared. What public adjusters and policyholders should know about next steps.

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Case Law Update: Huffman v. Forest River — RV Window Sticker, Roadside Benefit and Repair Promise Were Not Contracts

On Oct. 7, 2026, a Kansas federal court granted Forest River summary judgment in Huffman v. Forest River, No. 5:23-cv-04091: an RV window sticker and free roadside club were not contracts.

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Industry Insight: Hurricane Isaias and the Wrong Coverage Problem

After Hurricane Isaias hit the Panhandle, many policyholders may learn their coverage doesn't match their damage. What PAs and claimants should do now.

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Case Law Update: Letteri v. Safepoint Insurance — Suing During Appraisal Did Not Earn Attorney’s Fees

On Oct. 2, 2026, Florida's Sixth DCA held in Letteri v. Safepoint, No. 6D2025-0045, that suing while a Hurricane Ian appraisal was pending did not entitle the insured to fees.

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Industry Insight: Isaias Nears the Gulf Coast: Claim Prep for Adjusters

Hurricane Isaias is a Category 3 storm nearing the Alabama-Florida coast. Here is what public adjusters and policyholders should document and watch for.

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Industry Insight: Hurricane Isaias Hits Cat 3 as Adjusters Mobilize

Isaias strengthened to a Category 3 hurricane before Panhandle landfall. What public adjusters and policyholders should do now to protect Florida property claims.

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Industry Insight: E-Bike Surge Among Teens Reshapes Injury Claims

Teen e-bike crashes are driving new age bans and licensing rules. Here is what Florida adjusters and policyholders should know about coverage and claims.

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Industry Insight: Ransomware Recovery Fraud Charges Hit Florida Firm

A Miami cybersecurity firm owner is indicted for allegedly paying ransoms secretly while charging clients far more. What it means for cyber claims and subrogation.

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Industry Insight: E-Bike Crackdowns and Injury Claims for Policyholders

E-bike injuries are rising and states are tightening rules. What the 155,000 ER visits mean for liability, coverage questions and injured Florida families.

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Industry Insight: The Unbundled Insurer and What AI Means for Claims

MGAs now write about 11.6% of U.S. premium and fronting carriers are growing fast. Here is what the unbundled insurance value chain means for Florida claimants and PAs.

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Industry Insight: Isaias Panhandle Exposure Data and What PAs Should Know

OIR data shows which insurers hold Panhandle wind policies as Isaias nears Florida. What public adjusters and policyholders should know before claims begin.

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Industry Insight: Florida Injury Lawyer Suspended Amid Criminal Charges

The Florida Supreme Court suspended an Orlando-area injury attorney amid criminal charges. What policyholders and public adjusters should do if counsel is affected.

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