Florida Insurance Coverage Case Update – Week Ending March 13, 2026
Property Insurance
Miller v. Nat'l Fire & Marine Ins. Co., 2:24-cv-822-SPC-DNF (M.D. Fla., Mar. 9, 2026 (Polster Chappel, J.)) (granting National's motion for partial summary judgement, holding that the policy’s anti‑concurrent causation clause bars recovery for damage to the ground floor and detached garage because undisputed record evidence...
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Florida Insurance Coverage Case Update – Week Ending February 27, 2026
Property Insurance
Coach Homes V at Moody River Estates Condo. Ass'n v. Steadfast Ins. Co., 2:25-cv-1215-SPC-NPM (M.D. Fla., Feb. 23, 2026 – Mizell, J.) (denying Coach Homes' motion for leave to file motion to compel appraisal out of time, holding that Coach Homes failed to...
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Florida Insurance Coverage Case Update – Week Ending February 20, 2026
Auto Insurance
State Farm Mut. Auto. Ins. Co., v. Kevin E. Cochran, et al., 8:25-cv-2265-KKM-NHA (M.D. Fla., Feb. 18, 2026 (Kimball Mizelle, J.)) (dismissing State Farm’s declaratory‑judgment claim for lack of subject‑matter jurisdiction because the insurer failed to prove that the amount in controversy exceeded...
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Florida Insurance Coverage Case Update – Week Ending February 13, 2026
Property Insurance
Seventh Day Church of God International Ministries, Inc. v. Westchester Surplus Lines Ins. Co., 2:25-cv-00121-JES-NPM (U.S. Middle District of Florida, Feb. 12, 2026 – Judge Steele) (denying Westchester's motion for summary judgement, holding that multiple genuine disputes of material fact exist—including the value...
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Florida Insurance Coverage Case Update – Week Ending January 30, 2026
Auto Insurance
Ray Haas, as Personal Representative of the Estate of Richard Tiner v. Metropolitan General Ins. Co., 8:23-cv-2753-CEH-SPF (U.S. Middle District of Florida, Jan. 26, 2026 – Judge Honeywell) (denying Metropolitan's motion for summary judgement, holding that genuine disputes of material fact exist as...
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Florida Insurance Coverage Case Update – Week Ending in December, 26, 2025
Flood Insurance
Louis Azzilonna v. First Community Ins. Co., 2:24-cv-955 (U.S. Middle District of Florida, Dec 22, 2025 – Judge Polster Chappel) (granting First Community Insurance Company’s motion for summary judgment—treated as unopposed due to Plaintiff’s failure to respond—and finding that...
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Florida Insurance Coverage Case Update – Week Ending December 12, 2025
Homeowners Insurance
Universal Property & Casualty Ins. Co. v. Francy St. Fleur, et al., 4D2024-1378 (Florida 4th DCA, Dec 10, 2025 – Judge May) (reversing and remanding the judgment in favor of the homeowners, concluding that the trial court erred in refusing to excuse for...
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Florida Insurance Coverage Case Update – Week Ending November 28, 2025
Property and Casualty Insurance
The Breakwater Commons Ass’n, Inc. v. Empire Indem. Ins. Co., Case No.: 2:20-cv-31-KCD-NPM (U.S. Middle District of Florida, Nov 25, 2025 – Judge Dudek) (granting Empire’s motion in part—agreeing to a $100,373.67 reduction from the original actual cash value award, based...
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Florida Insurance Coverage Case Update – Week Ending November 21, 2025
Bad Faith:
Lauren Woods v. Progressive American Ins. Co., 23-13407 (U.S. 11th Circuit Court of Appeals, Nov 17, 2025 – Judge Covington) (affirming the district court’s judgment for Progressive, holding that the exclusion of the underinsured motorist verdict and excess judgment as evidence in the...
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Florida Insurance Coverage Case Update – Week Ending November 14, 2025
General Liability Insurance
Sheriff of Broward County, v. Evanston Insurance Company., Case No. 24-11230 (U.S. District Court of Appeals – November 10, 2025 – Judges Jill Pryor, Luck, and Hull) (affirming the district court’s ruling that the Parkland mass shooting constituted a single “occurrence” under...
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