In 2019, a Florida homeowner disputed her insurer's water-damage payment; Supreme Court ruled a later notice law could not apply retroactively

• On October 22, 2026, the Florida Supreme Court ruled that the presuit-notice requirement introduced in 2021 cannot be applied retroactively to property insurance policies issued before the law took effect.
• The case involved Rebecca Hughes, whose homeowners policy with Universal Property & Casualty Insurance Company ran from Ap