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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The Kidwell Group, LLC, d/b/a Air Quality Assessors of Florida, etc. v. Southern Oak Insurance Company, No. 3D24-0217 (Third District Court of Appeal, May 7, 2025 – Judge Emas)
(reversing the trial court's dismissal of The Kidwell Group's complaint, ruling that the assignment of benefits agreement was valid under section 627.7152(2)(a)5., Florida Statutes, as it included a sufficiently detailed itemized per-unit cost estimate. The Court's reasoning relied on the precedent set in Kidwell Group, LLC v. SafePoint Ins. Co., 376 So....
The Kidwell Group, LLC, d/b/a Air Quality Assessors of Florida, etc. v. Southern Oak Insurance Company, No. 3D24-0217 (Third District Court of Appeal, May 7, 2025 – Judge Emas) Continue reading…
Universal Property & Casualty Ins. Co. v. Dr. Elias Chousleb, No. 3D24-0200 (Third District Court of Appeal, May 7, 2025 – Judge Gordo)
(affirming the trial court's decision, ruling that it did not abuse its discretion in denying Universal's request to recall a witness for cumulative testimony, citing Gonzalez v. Martinez, 897 So. 2d 525 (Fla. 3d DCA 2005) and Dade Cnty. v. Midic Realty, Inc., 549 So. 2d 1207 (Fla. 3d DCA 1989). The...
Universal Property & Casualty Ins. Co. v. Dr. Elias Chousleb, No. 3D24-0200 (Third District Court of Appeal, May 7, 2025 – Judge Gordo) Continue reading…
Spartan Services Corp., et al., v. People’s Trust Ins. Co., No. 3D23-2301 (Third District Court of Appeal, May 7, 2025 – Judge Emas)
(affirming the trial court's summary judgment in favor of People's Trust Insurance Company, ruling that the Water Damage Exclusion Endorsement in the homeowner's insurance policy unambiguously excluded coverage for the loss, as the water damage was not caused by a peril insured against. The Court relied on the principle that insurance policy...
Spartan Services Corp., et al., v. People’s Trust Ins. Co., No. 3D23-2301 (Third District Court of Appeal, May 7, 2025 – Judge Emas) Continue reading…
People’s Trust Ins. Co. v. John L. Abraham and Lois Abraham, No. 2D2023-2383 (District Court of Appeal of Florida Second District, May 7, 2025 – Judge Khouzam with Judges Rothstein-Youakim and Labrit concurring
(reversing the trial court's judgment for the insureds, ruling that the insurer's general contractor, Rapid Response Team, LLC, could legally subcontract roofing work under Florida law (People's Trust Insurance Co. v. Lamolli, 352 So. 3d 890 (Fla. 4th DCA 2022)). The Court also found that the insurer was not obligated to provide...
People’s Trust Ins. Co. v. John L. Abraham and Lois Abraham, No. 2D2023-2383 (District Court of Appeal of Florida Second District, May 7, 2025 – Judge Khouzam with Judges Rothstein-Youakim and Labrit concurring Continue reading…