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: Florida's Secret Insurer-Affiliate Fee Report Raises Alarms

A 159-page confidential report on insurer-affiliate fees reveals troubling practices in Florida's property insurance market. Learn what it means for PAs and policyholders.

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Case Law Update: Potter v. Commissioner - Court Reverses Disability Denial After ALJ Said No IQ Testing Was in the Record

A Florida federal court reversed a disability denial on September 23, 2026: the ALJ found no IQ testing in the record, but the consultative exam report held a WAIS-IV full-scale IQ of 74.

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Industry Insight: Publix Blueberry Suit Highlights Layered Liability Coverage

A Pinellas County suit against Publix and Quirch Foods over recalled blueberries shows how self-insured retentions and layered coverage affect liability claims.

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Industry Insight: OIR Approves Four HO Rate Cuts as Citizens Keeps Shrinking

Florida OIR approved four homeowner rate decreases averaging 7% as Citizens falls to 266,231 policies. What the shift means for PAs and policyholders.

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Industry Insight: Florida Farm Manager Pleads Guilty in Crop Insurance Fraud

A Florida farm manager pleaded guilty to crop insurance fraud tied to $3.2M in losses. What the case signals about claim accuracy and fraud scrutiny.

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Industry Insight: Citizens Commercial Clearinghouse Stalls Amid OIR Review

Citizens' commercial clearinghouse plan hit a snag as OIR says it cannot approve the program and the board reconsiders. What it means for Florida PAs.

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Industry Insight: Citadel's Miami HQ Construction Halted After Rig Collapse

A rig collapse at Citadel's Miami headquarters site halts construction and injures several people, raising key liability and property insurance questions.

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Industry Insight: Hotaling's Dieppa Named to Citizens Board of Governors

Gabriel Dieppa joins Florida Citizens Property Insurance Corp.'s Board of Governors, a move with implications for policyholders and public adjusters statewide.

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Case Law Update: Hart v. Commissioner - Court Reverses SSDI Denial Over Missing Fibromyalgia Tender Points

A Florida federal court reversed an SSDI denial on September 21, 2026, holding the ALJ wrongly demanded 11 tender points under SSR 12-2p after already finding fibromyalgia severe.

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Industry Insight: Starbucks-Florida DEI Settlement Highlights AG Enforcement Reach

Florida's AG secured a $1M settlement and nationwide compliance commitments from Starbucks over DEI hiring policies — a signal of Florida's expanding enforcement posture.

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Industry Insight: Paramount-Warner Settlement Signals New AG Enforcement Trend

Paramount's $110B Warner Bros deal survived a multistate AG lawsuit via settlement. Florida claims pros should note the enforcement and compliance-monitoring model.

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Case Law Update: In re Kia Hyundai Vehicle Theft — Ninth Circuit Revives Insurers' Defect Claims Against the Korean Automakers

Ninth Circuit reversed dismissal of about 200 insurers' subrogation claims over Hyundai and Kia cars built without engine immobilizers, holding the Korean parents can be sued in California.

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Industry Insight: Starbucks Settles Florida DEI Discrimination Lawsuit

Florida's AG settles landmark DEI lawsuit against Starbucks for $1M, banning race/sex-based hiring quotas nationwide—key compliance lessons for employers.

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Case Law Update: Progressive Select v. Reinberger — Second DCA Strikes $230,000 in Future Medical Expenses

Florida's Second DCA struck a $230,000 future-medical award on Sept. 18, 2026, holding a life care plan built on “may” and “could” is not reasonably certain.

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Industry Insight: Following the Money Behind Florida Senate Insurance Secrecy

A look at campaign contributions, lobbying spend, and stalled bills raising questions about insurer influence over Florida's Senate and what it means for claims.

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Case Law Update: Demelia v. Commissioner of Social Security — Court Rejects ALJ's Reuse of Old Job Numbers After Remand

A Florida federal court reversed an SSDI denial on September 16, 2026, after the ALJ relied on 2023 vocational expert job numbers instead of the 2024 testimony given on remand.

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Industry Insight: Fort Lauderdale Boom Raises New Stakes for Property Insurance

Fort Lauderdale's development surge brings new construction and rising property values — and new insurance and claims challenges. Here's what to know.

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Industry Insight: Florida Home Price Cuts Signal Shifting Risk for Insurers

Rising resale competition is pressuring Florida homebuilders like Lennar. Here's what falling home prices mean for property insurance and claims.

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Case Law Update: Figueroa Acevedo v. Commissioner - Court Reverses SSDI Denial That Skipped the Migraine Records

A Florida federal court reversed an SSDI denial on September 15, 2026, finding the ALJ left migraines off the step-two severe list and never applied SSR 19-4p.

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Case Law Update: Miami Federal Judge Tosses Reese's Pumpkin Class Action

A Miami federal judge dismissed a Reese's pumpkin packaging suit for lack of standing — a ruling with lessons for how Florida courts treat consumer overpayment claims.

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