City of Miami Beach, Florida, after Hurricane Irma. (Photo: Mia2you/Shutterstock) City of Miami Beach, Florida, after Hurricane Irma. (Photo: Mia2you/Shutterstock)

A Florida appeals court has ruled that a fiduciary, such as a public adjuster, with whom insureds had a contractual agent-principal relationship could not serve as their disinterested appraiser as a matter of law.

The case

After Charles and Diana Sanders' home was damaged by Hurricane Irma, they sued their homeowners' insurance carrier, State Farm Florida Insurance Company, for breach of contract, alleging that State Farm had not provided coverage for the loss.

Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader

Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
  • Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
  • Educational webcasts, white papers, and ebooks from industry thought leaders
  • Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
NOT FOR REPRINT

© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.

Steven A. Meyerowitz

Steven A. Meyerowitz, a Harvard Law School graduate, is the founder and president of Meyerowitz Communications Inc., a law firm marketing communications consulting company. He may be contacted at [email protected].