Florida court: demo before you report, lose the claim
Archive story from the 2026-06-19 edition. This is the reporting as filed; source publication and event dates may differ. Check the dated storyline for subsequent developments.
A federal court barred an entire claim after a six-week reporting delay and demolition done before the carrier was notified.
In Global Approach v. Scottsdale (S.D. Fla., June 1, 2026), the court sided with the insurer: a six-week reporting delay plus demolition and repairs done before notice violated the prompt-notice clause and barred the whole claim.
Why it matters
This is the nightmare on a water job, you mitigate fast like the IICRC tells you to, the owner reports late, and the carrier walks because the evidence is gone. You can do everything right on the floor and still eat the bill.
Our assessment
Everyone reads this as another reminder to document everything, and documentation was never the gap. Sequence was. Notice first, photographs before anything gets cut, and a written acknowledgment from the carrier before the saw comes out. Fix your emergency intake so the first call goes to the carrier line and the crew waits for a claim number, then train the on-call tech on that order.
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Legal (carrier-side firm summarizing a federal ruling) High confidence at publication
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Terms in this story: IICRC