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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Case Law Update: Guidry v. State Farm - Replacement Cost Testimony

Louisiana court ruling shows how policyholder testimony can destroy replacement cost claims. Critical lessons for public adjusters and claims professionals.

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Case Law Update: Citizens 2026 Rate Order - Actuarial Soundness Requirements

Latest Citizens Property Insurance rate filing order emphasizes actuarial soundness and non-competitive pricing in Florida's residual market.

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Case Law Update: Citizens 2022 Rate Filing Order - 11% Annual Cap Implementation

Florida OIR Final Order establishing Citizens Property Insurance 11% annual rate increase cap for 2022 under amended statutory framework.

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Case Law Update: Federal Court Narrows Social Engineering Coverage

Mississippi federal court ruling in Gore, Kilpatrick & Dambrino v. Spinnaker Insurance significantly narrows cyber insurance social engineering coverage.

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Industry Insight: Cyber Insurance Bait and Switch Tactics Exposed

Analysis of growing cyber insurance disputes over social engineering coverage and how insurers are narrowing protection after policy sales.

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Industry Insight: Remembering Paul Butler's Impact on Insurance Law

Honoring the legacy of Paul Butler, influential insurance attorney and mentor who shaped modern property insurance coverage law and practice.

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Case Law Update: Federal Court Bars Late Negligence Claims vs PAs

Federal court in Puerto Rico dismisses insurer's negligence claims against public adjusters due to statute of limitations, highlighting timing issues.

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Case Law Update: MMA Law Firm RICO Lawsuit Tests Industry Lines

MMA Law Firm files aggressive RICO lawsuit against critics, raising questions about industry accountability and retaliation tactics in property insurance.

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Case Law Update: Citizens 2025 Rate Order Implements 14% Cap

OIR Final Order 2025-15 approves Citizens rate filings with 14% cap, emphasizing actuarial soundness and public hearing process. Key insights for adjusters.

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Case Law Update: Citizens 2026 Rate Filings Approved by OIR

OIR approves Citizens Property Insurance 2026 rate filings, implementing 15% cap and emphasizing residual market function. Key updates for adjusters.

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Case Law Update: Citizens Rate Cap Increases to 11% for 2022

OIR approves Citizens Property Insurance rate filings with 11% cap for 2022, increasing to 15% by 2026. Key implications for policyholders and adjusters.

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Industry Insight: The Myth of Policyholder Policy Comprehension

Courts expect policyholders to understand complex insurance policies, but legal reality suggests this expectation is unrealistic and unfair.

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Case Law Update: Federal Court Bars Late Negligence Claims vs Public Adjusters

Federal court in Puerto Rico dismisses insurer's negligence claims against public adjuster due to statute of limitations. Critical timing lessons.

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Case Law Update: MMA Law Firm Strikes Back with RICO Allegations

MMA Law Firm files aggressive countersuit with RICO claims against Matthew Monson and Allied Trust Insurance. Key implications for public adjusters.

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Case Law Update: Citizens 2026 Rate Filing Order Under New Leadership

Florida's new Insurance Commissioner Michael Yaworsky issues 2026 Citizens rate filing order under Timothy Cerio's leadership, continuing statutory framework.

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Case Law Update: Citizens Rate Filing Order Sets 2022-2026 Caps

Florida OIR's 2022 final order on Citizens Property Insurance rate filings establishes annual rate increase caps from 11% to 15% through 2026.

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Florida Supreme Court Rules on PACE Funding Property Liens and Assessment Authority

Florida Supreme Court clarifies PACE funding assessment authority and property lien priorities affecting insurance claims and settlements.

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Florida Supreme Court Rules on PACE Funding Property Disputes - Key Case for Property Insurance Claims

Florida Supreme Court rules on PACE funding property disputes. Key implications for property insurance claims involving hurricane hardening and energy upgrades.

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Is Your Insurance Claim Still Worth Pursuing After Florida’s 2022 Reform?

Florida’s 2022 insurance reform changed how attorneys get paid — but did it change whether policyholders get paid? Louis Law Group’s data shows 75.4% of post-reform cases still result in the carrier paying, with cases resolving in half the time.

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Florida Supreme Court Rules on PACE Funding Property Assessments - Impact on Property Insurance Claims

Florida Supreme Court clarifies PACE funding assessments' impact on property insurance claims and valuations, affecting public adjusters' evaluation procedures.

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