Florida appeals court rules on replacement cost versus actual cash value in property insurance breach cases, clarifying insurer obligations and policyholder remedies under homeowner policies.

Michigan Court of Appeals clarifies assignment and revocation of No-Fault benefits in Sharp v. Tracht, impacting claims handling and one-year back rule compliance under MCL 500.3145.

The Wisconsin Court of Appeals affirms statutory subrogation rights separate from contractual waivers in multi-state personal injury protection claims, guiding insurers on compliance and claims handling for duplicated PIP benefits.

Maryland Supreme Court rules insurers cannot block post-loss claim assignments despite anti-assignment clauses. Impact on property and casualty claims handling and policy language.

Florida appellate court affirms insurer's denial of windstorm damage claim due to nearly two-year delayed notice, reinforcing prompt notice requirements in homeowners insurance.

Rhode Island enacts new auto insurance appraisal law enhancing inspection timelines, dispute resolution, and cost responsibilities. Key updates for insurers and repair shops.

Ground ambulance rides are excluded from the No Surprises Act, leaving many patients exposed to surprise bills. State laws vary, and insurer concerns about premium impacts slow federal progress.

Missouri appellate court rules spray foam trailer equipment is not subject to custom equipment coverage limits, clarifying physical damage insurance application.

Eighth Circuit decision in Noonan v. American Family Mutual Insurance clarifies insurer obligations on roof replacement and shingle matching under specific policy endorsements.

North Dakota's new law grants the insurance commissioner authority to require restitution and impose fines on insurers, enhancing regulatory enforcement and consumer protections.