Claims·Analysis
Underpaid First-Party Residential Property Claims in Florida: Bad Faith and Extra-Contractual Remedies After SB 2-A and HB 837
An underpaid Florida property claim now runs two tracks: the contract recovers policy benefits and interest only, while statutory bad faith (gated behind section 624.1551's adverse-adjudication prerequisite) is the sole route to consequential damages and fees.
Analysis•June 19, 2026
Claims·Analysis
Actual Cash Value, Replacement Cost, and Depreciation in Florida Property Claims
Every undervaluation fight lives in one gap: replacement cost minus depreciation. What Florida lets carriers depreciate (including the contested labor question), how overhead and profit fit, the ACV-roof shift, and the district split over recovering RCV on property that's never repaired.
Analysis•June 14, 2026
Claims·Analysis
Underpayment and Scope-of-Damage Disputes in Florida Residential Property Claims
The fight usually isn't denial. It's a check that runs short. How Florida sorts what an appraisal panel decides from what a court decides, where overhead and profit, depreciation, code upgrades, and matching drive the dollar gap, and how the 2022 to 2023 fee repeal changed whether it's worth fighting.
Analysis•June 14, 2026
Coverage·Analysis
Wear and Tear, Pre-Existing Damage, and Maintenance Exclusions in Florida Residential Property Claims
When an adjuster writes "age and deterioration," that's an exclusion, and on an open-peril policy the carrier, not you, has to prove it. How Florida allocates the burden, when a covered storm carries an excluded maintenance cause into coverage (and how anti-concurrent-cause language stops it), and the 14-day seepage trap.
Analysis•June 14, 2026
Coverage·Analysis
Water Damage Source and Duration Limits in Florida Homeowners Policies
A sudden pipe burst is covered; long-term seepage usually isn't, and the fight turns on the exact words. How Florida handles the "14 or more days" seepage clause, anti-concurrent-cause language, mold sublimits, and the burden of proving when the loss actually happened.
Analysis•June 14, 2026
Claims·Analysis
Underpaid Home Insurance Claims in Florida: What to Do When the Check Won't Cover Repairs
The most common fight isn't denial. It's a check that falls short. Why Xactimate estimates come in low, the code-upgrade and matching statutes, and the 18-month supplemental deadline that decides these disputes.
Analysis•June 11, 2026
Florida·Cancellation & Nonrenewal
Florida Insurance Cancellation & Nonrenewal Notice Requirements (2026)
Florida requires up to 120 days' notice to terminate property policies, layers post-claim freezes and emergency moratoriums on top, and keeps coverage in force when a notice is defective. The current requirements, with citations.
State Guide•Verified June 26, 2026
Coverage·Analysis
Drafting Water Damage Provisions That Survive a Florida Courtroom
Florida courts construe ambiguity against the drafter, and the case law shows exactly where forms fail: selective anti-concurrent causation language, the 14-day seepage trap, and endorsements that drift from the base form.
Analysis•June 10, 2026
More Florida coverage in research
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Claims Handling Deadlines
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Catastrophe & Emergency Regulatory Response
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Renewal & Conditional Renewal
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Diligent Effort & Surplus Lines
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InsuroAI turns these requirements into checklists with citations, and audits your notices against them.