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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: Polk County School Bus Crash and Liability Questions

A fatal Polk County school bus crash raises questions about liability, insurance and vehicle damage claims. What Florida claims professionals should know.

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Industry Insight: SpaceX Pipeline Proposal for Cape Canaveral Launches

SpaceX's subsidiary seeks Florida approval for a 32.4-mile gas pipeline in Brevard County. What it could mean for property risk and claims.

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Industry Insight: First 2026 Hurricane Targets Gulf Coast and Panhandle

A tropical depression is forecast to become the first Atlantic hurricane of 2026. What Florida policyholders and public adjusters should do before landfall.

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Industry Insight: Starbucks 'Sugar-Free' Suit and Policy Wording Lessons

Consumers allege Starbucks mislabeled protein drinks 'sugar-free' despite lactose. What the dispute teaches PAs about plain meaning in policy language.

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Industry Insight: Miami's $1.7B Presale Condo Boom and Property Risk

Mandarin Oriental Miami has sold $1.7B in condos before groundbreaking. What ultra-luxury growth means for insurance valuation and claims in Florida.

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Industry Insight: Florida Injury Lawyer Suspended After Murder-for-Hire Arrest

The Florida Supreme Court indefinitely suspended an Orlando-area attorney charged in a 2021 murder-for-hire plot. What PAs and clients should do if affected.

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Industry Insight: Security First Bundling Discount for Same-Agent Policies

Security First now offers up to a 3% discount on Premier HO5 policies when homeowners use the same agent for home and auto. Here is what PAs should know.

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Industry Insight: eMaxx Reciprocal Model Signals Shift in Risk Sharing

Tampa-based eMaxx, now fronted by Rob Gronkowski, uses a reciprocal-captive structure that requires insureds to share risk. What it means for Florida claims.

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Industry Insight: Florida Agent's Guilty Plea in $300K Premium Finance Fraud

A Pensacola insurance agent pleaded guilty to a $300,000 premium finance scheme involving fake companies. What it means for policyholders and public adjusters.

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Industry Insight: Florida Suspends Atlantic Coast Life Amid Surplus Crisis

Florida's insurance commissioner suspended Atlantic Coast Life's certificate of authority over surplus concerns, days after South Carolina moved the insurer into rehabilitation.

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Industry Insight: CFTC Secures $30M Judgment in Crypto Fraud Scheme

A federal court ordered over $30M in restitution and penalties in a crypto and precious metals fraud scheme that defrauded 9,000+ investors. What it means for policyholders.

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Industry Insight: Griffin's $2B Miami Campus Signals Florida Growth Boom

Ken Griffin's $2 billion Carnegie Mellon Miami campus underscores explosive South Florida growth, raising property value, construction, and insurance claim stakes.

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Case Law Update: Florida Court Backs DFS Power to Investigate Insurers

Florida's 1st DCA affirms DFS authority to subpoena records from viatical settlement firms, reinforcing regulatory oversight of the insurance industry statewide.

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Industry Insight: Florida Sues OpenAI, Seeks Oversight of AI Model Development

Florida's AG seeks court oversight of OpenAI's model development, raising questions about AI regulation that extend into insurance claims and underwriting.

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Industry Insight: Citizens Agent Appointments Drop as Market Stabilizes

Citizens Property Insurance agent appointments have fallen as Florida's private market grows, signaling reduced reliance on the state insurer of last resort.

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Case Law Update: NRRM (CarShield) v. Pelican Investment Holdings — Court Denies Two Motions to Dismiss Over Switch-Your-Coverage Sales Calls

On Sept. 24 and 25, 2026, a federal judge in Missouri denied two motions to dismiss in NRRM (CarShield) v. Pelican Investment Holdings, No. 4:25-cv-01566-MAL (E.D. Mo.).

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Industry Insight: Fort Lauderdale Double Crane Collapse Raises Claims Issues

Two cranes collapsed onto a Fort Lauderdale home in one day. Here's what the incident means for property insurance claims, liability, and subrogation.

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Case Law Update: Breakwater Commons v. Empire Indemnity — Insured Wins Trial Fees, Loses Appellate Fees

M.D. Fla. Sept. 16, 2026: a condo association won prevailing-party fees but lost appellate fees for not filing an 11th Cir. Rule 39-2 application. What it means for FL claims.

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Industry Insight: Florida's Secret Insurance Report Raises Transparency Alarms

A flawed, confidential Florida insurer affiliate-transaction report raises accountability concerns for policyholders and public adjusters statewide.

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Case Law Update: Stewart v. Universal Property & Casualty — New Trial Ordered, and a Concurrence Narrows the Neglect Exclusion

Florida's Second DCA reversed a defense verdict for Universal on Sept. 25, 2026 after the homeowner broke his leg mid-trial; a concurrence reads the neglect exclusion as post-loss only.

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