A recent case (October 3, 2025) arising out of Polk County highlights the importance to make sure that your insurance application is accurate. This applies to both new policies and even renewals.
In Pitts v. Universal Property & Casualty Insurance Company the Sixth District Court of Appeal reviewed a summary judgment order in favor of the insurance company. The trial court found that despite 15 years of purchasing insurance for her home, Ms. Pitts was properly denied coverage for water damage to her home because she had relocated from her residence to an assisted living facility and rented her home during her absence. When renewing her home insurance policy Ms. Pitts did not inform the insurer that she no longer resided at the home. When a claim was made by her estate for water damage, the insurance company, after initially honoring the claim, denied coverage due to this omission from her renewal application.
To Read The Decision, click on the picture below:
This case is consistent with other recent opinions holding that the application is critical to coverage.