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.

Categories:

Case Law Update: State Farm's $15M Arkansas Settlement Sets Precedent

Federal court approves $15.6M settlement against State Farm for underpaid vehicle claims using flawed Audatex valuations. Key implications for adjusters.

Read Analysis →

Industry Insight: Florida Wind Mitigation Needs Dramatic Expansion

Florida experts call for major wind mitigation program changes to better protect homeowners and reduce insurance costs. Key insights for public adjusters.

Read Analysis →

Case Law Update: Replacement Cost Claims Lost Due to Policyholder Testimony

Hurricane Ida case shows how policyholder testimony can limit replacement cost recovery. Critical lessons for public adjusters on client preparation and documentation.

Read Analysis →

Case Law Update: Federal Court Grants Summary Judgment on Arson Claim

Iowa federal court grants State Farm summary judgment in arson case, raising concerns about burden of proof standards for policyholders in suspected fraud claims.

Read Analysis →

Case Law Update: State Farm Agrees to $15M Arkansas Vehicle Settlement

State Farm settles $15.6M class action for allegedly underpaying Arkansas vehicle total loss claims using flawed Audatex valuation methods.

Read Analysis →

Industry Insight: Cyber Insurance Social Engineering Coverage Disputes

Rising disputes over cyber insurance social engineering coverage reveal industry-wide problems. Key insights for claims professionals and policyholders.

Read Analysis →

Industry Insight: Lessons from Legal Mentorship in Property Law

Reflecting on the passing of Paul Butler and the importance of mentorship in developing effective property insurance law practice and advocacy.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

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.

Read Analysis →

Submit a Policy for Review

Have a complex claim or coverage question? Submit your policyholder's details for a free review by our property damage attorneys. We'll analyze the situation and advise on the best path forward.

PDF, DOC, DOCX, JPG, PNG, TIFF — max 10 MB per file, up to 5 files

We have recovered over $200,000,000 for our clients.

If you’ve encountered property damage, been in an accident, had a health claim denied, or need assistance with an SSDI claim, you will likely need to deal with an insurance provider. Unfortunately, this can be a drawn-out process, and it’s far too common for valid claims to be unfairly denied. As your trusted insurance attorneys, we don’t simply wait to see how your insurer responds. Instead, we use our knowledge and determination to negotiate directly on your behalf and secure what you may be rightfully owed.

Pierre Louis Florida Property Damage Attorney
1600+ CASES vs. UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY
920+ CASESvs. CITIZENS PROPERTY INSURANCE CORPORATION
270+ CASESvs. HERITAGE PROPERTY & CASUALTY INSURANCE COMPANY
250+ CASESvs. AMERICAN SECURITY INSURANCE COMPANY
250+ CASESvs. AMERICAN INTEGRITY INSURANCE COMPANY OF FLORIDA
250+ CASESvs. STATE FARM FLORIDA INSURANCE COMPANY

How it Works

No Win, No Fee

We like to simplify our intake process. From submitting your claim to finalizing your case, our streamlined approach ensures a hassle-free experience. Our legal team is dedicated to making this process as efficient and straightforward as possible.

You can expect transparent communication, prompt updates, and a commitment to achieving the best possible outcome for your case.

Free Case Evaluation