Florida Court Ruling Brings Major Shift to Homeowners Insurance Market

January 8, 2025

In early January 2025, Florida’s Fifth District Court of Appeals issued a pivotal ruling affecting the state’s homeowners insurance market. The court determined that a “direction to pay” (DTP) from a policyholder does not equate to an “assignment of benefits” (AOB). This decision reinforces legislative efforts to reduce excessive litigation within Florida.  Historically, Florida’s insurance […]