Maria Marante v. American Bankers Insurance Company of Florida, 1:24-cv-24774-BB (U.S. Southern District of Florida, Sep 10, 2025 – Judge Beth Bloom)

(Order granting Defendant’s Motion for Summary Judgment, finding that Plaintiff’s failure to timely submit a sworn Proof of Loss within 60 days of the flood event, as required by the Standard Flood Insurance Policy and federal law, barred her breach of contract claim. The Court rejected Plaintiff’s arguments of substantial compliance and waiver, emphasizing that strict adherence to SFIP requirements is mandatory and only an express written waiver from the Federal Insurance Administrator can excuse noncompliance.
https://www.govinfo.gov/content/pkg/USCOURTS-flsd-1_24-cv-24774/pdf/USCOURTS-flsd-1_24-cv-24774-0.pdf