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Law360 (August 14, 2025, 8:55 PM EDT) — A recent Florida appellate court ruling affirming that the state’s last-resort insurer properly denied a late-filed claim for hurricane damage wasn’t surprising given legislative changes in recent years, but highlighted the import of filing timely claims, experts say. Policyholder and carrier attorneys said the Aug. 6 decision in Maria Morales v. Citizens Property Insurance Corp. emphasized a clear point of law — late-filed claims aren’t covered — […]

Bad faith has now become part of the American landscape and an accepted tool to balance the playing field between insurers and policyholders. In 1982, Florida’s Legislature became the first in the United States to create the right to bring a private lawsuit for an insurance company’s violations of the Unfair Insurance Trade Practices Act (UITPA). UITPA, on the books since the mid-’70s, described and prohibited many unfair claims practices but saw them enforced only […]