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5th DCAJuly 2, 2026Affirmed⭐ Notable

Dr. Gary Boraks, LLC a/a/o Runnell D. Curry v. Florida Insurance Guaranty Association

Case No. 2024-2504

The court affirmed, holding that section 631.70 makes the section 627.428 attorney's-fee entitlement inapplicable to claims presented to FIGA except when FIGA denies a covered claim by affirmative action other than delay. Because no such affirmative denial was shown, attorney's fees were not recoverable against FIGA.

Key facts

  • Dr. Gary Boraks, LLC, as assignee (a/a/o) of insured Runnell D. Curry, pursued a claim against the Florida Insurance Guaranty Association (FIGA) after the original insurer became insolvent.
  • FIGA is the statutory mechanism under Chapter 631 for paying covered claims of insolvent insurers.
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Holdings

  • Under section 631.70, the attorney's-fee provisions of section 627.428 do not apply to claims presented to FIGA unless FIGA denies a covered claim by affirmative action, other than delay.

Why it matters

Reaffirms that FIGA is statutorily insulated from the attorney's-fee exposure that ordinary insurers face, subject only to the narrow 'affirmative denial other than delay' exception. Significant for first-party property… — full analysis with a trial

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