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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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SCOR SE Enters Florida Reinsurance Market — What It Means for Property Insurance Rates

French reinsurance giant SCOR SE, a top-5 global reinsurer with 19.4B euros in premiums, gains Florida reciprocal jurisdiction reinsurer approval.

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16 New Companies Enter the Florida Insurance Market — February 2026 FLOIR Report

FLOIR approved 16 new entities in early 2026, including global reinsurers, AI-powered rating tech, cannabis liability coverage, and new property insurers.

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Fourth DCA Decides Burns v. Universal Property - Significant Property Insurance Ruling

Fourth DCA Florida rules in Burns v. Universal Property property insurance case. Important implications for public adjusters and claim handling. Legal help at (

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Sixth DCA Rules in Universal Property v. Montgomery - Critical Property Insurance Decision

Sixth DCA Florida decides Universal Property v. Montgomery property insurance case. Key insights for public adjusters and claim professionals. Call (833) 657-48

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Fourth DCA Affirms Judgment in Universal Property v. Tenon Fulton - Key Ruling for Property Insurance Claims

Fourth DCA Florida rules in Universal Property v. Tenon Fulton. Important implications for property insurance claims and public adjusters. Get legal help at (83

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Industry Insight: JD Power Finds Homeowners Claims Satisfaction Rising as Repairs Speed Up

JD Power reports improved homeowner claims satisfaction driven by faster repair times, though significant gaps remain in communication and fair settlement practices.

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Industry Insight: US Home Insurance Prices Expected to Keep Rising Amid Severe Weather

Home insurance premiums continue to climb as severe weather events increase in frequency and severity, impacting Florida policyholders and property claims.

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Industry Insight: Federal Reinsurance Backstop Proposed to Stabilize Home Insurance

Brookings Institution proposes 'US Re' federal reinsurance backstop to address rising home insurance costs in catastrophe-prone states like Florida.

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Industry Insight: Florida OIR Summit to Address AI, Compliance, and Market Stability

Florida OIR announces April 2026 Insurance Summit agenda covering AI in underwriting, financial compliance, and market stability for property insurers.

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Case Law Update: Citizens Property Insurance v. Blanco — Anti-Concurrent Causation and Water Damage Coverage Affirmed

Florida 3rd DCA affirms jury verdict for policyholder Blanco in water damage claim against Citizens, rejecting anti-concurrent causation defense. Major win for

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Case Law Update: Universal Property v. Griffin — Florida Carrier Appeals Property Insurance Coverage Dispute

Florida 3rd DCA rules on Universal Property & Casualty coverage dispute with policyholder Griffin. Key decision for PAs handling carrier denial appeals.

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Case Law Update: Indoor Environmental v. Citizens Property Insurance — Late Notice and Assignment of Benefits Claim Dismissed

Florida 3rd DCA affirms summary judgment for Citizens Property Insurance in AOB case where restoration company failed to rebut late notice prejudice presumption

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Case Law Update: Izquierdo v. Universal Insurance — Earth Movement Exclusion Reversed in First-Party Property Claim

Florida 3rd DCA reverses summary judgment for Universal Insurance, finding genuine disputes over earth movement exclusion in property damage claim. Key ruling f

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Case Law Update: Homeowner's Choice v. Oakes — Insurance Policy Interpretation and Preservation of Issues on Appeal

Florida 4th DCA affirms jury verdict for policyholder Oakes after insurer failed to preserve policy interpretation arguments. Key lesson for PAs on carrier liti

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Case Law Update: Citizens Property Insurance v. Buergo — Florida Carrier Coverage Dispute

Florida DCA rules on Citizens Property Insurance coverage dispute with policyholder Buergo. Key decision for claims against Florida's insurer of last resort.

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Case Law Update: Cannon v. Safeco Insurance — Bad Faith Insurance Claim Denial

Georgia Court of Appeals rules on bad faith claim against Safeco Insurance after property damage denial. Key precedent for carrier accountability.

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Case Law Update: State of Florida Ex Rel. Chertok v. Zillow — Florida Property Valuation Dispute

Florida First DCA addresses property valuation dispute involving Zillow. Implications for insurance claim valuations and appraisal methodology.

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Case Law Update: Riley Love v. Florida Family Insurance — Appraisal Dispute in Property Claim

Florida Third DCA rules on appraisal dispute between policyholder and Florida Family Insurance Company. Important precedent for PA appraisal invocations.

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Case Law Update: FIGA v. Steve Cadet — Florida Insurance Guaranty Association Liability Dispute

Florida DCA rules on FIGA's obligations in policyholder claim after carrier insolvency. Key ruling for PAs handling claims with insolvent insurers.

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