Florida Court Upholds Insurer's Right to Enforce Managed Repair Clauses

People's Trust Insurance Company secured a significant appellate win in Florida regarding the enforcement of managed repair provisions in homeowners insurance policies.

The dispute involved insured homeowners who filed a claim for roof damage, where People's Trust exercised a policy clause allowing it to manage repairs through a designated contractor rather than issuing a cash payout. The homeowners challenged the contractor's licensing and refused to cooperate by not signing work authorizations or paying the deductible, leading to litigation.