.

Brad is a shareholder in the Casualty Department and concentrates his practice on the defense of companies and individuals in a wide array of civil litigation matters. He has successfully litigated cases involving automobile and trucking liability, premises liability, breach of warranty, insurance coverage/bad faith litigation and general liability matters. Brad’s experience includes efficiently managing files from inception through settlement or verdict. Brad also has significant alternative dispute resolution experience, having resolved hundreds of cases through mediation and arbitration throughout Pennsylvania.

Additionally, Brad handles fraudulent claims as part of our Fraud and SIU group. He conducts Examinations Under Oath, depositions, mediations, and appears for bench trials and arbitration hearings.

Brad has been awarded an AV® Preeminent™ rating by Martindale-Hubbell. Throughout his career, he has been active in the preparation of articles in his fields of concentration and has given numerous presentations to clients regarding various casualty defense-related matters. 

In addition to his legal practice, Brad is involved with several organizations throughout the community. Brad is a USA Hockey On-Ice official and officiates games at the high school and college levels throughout the tri-state area. Brad performs legal pro-bono work on behalf of the Wills for Heroes Foundation, providing wills and powers of attorney to police officers and EMTs. Formerly, Brad served as a founding member of the Board of Directors for the Gift of Adoption Fund-Pittsburgh Chapter, a national charitable organization.  

Brad is a 2010 graduate of West Virginia University. He received his juris doctor from the Case Western Reserve University School of Law in 2013, where he served as an executive editor of the school’ Journal of Law-Medicine. While in law school, Brad received a merit-based academic scholarship for outstanding academic performance.
 

    • Case Western Reserve University School of Law (J.D., 2013)
    • West Virginia University (B.S., 2010)
    • Pennsylvania, 2013
    • U.S. District Court Western District of Pennsylvania, 2013
    • AV® Preeminent™ by Martindale-Hubbell®
    • The Best Lawyers: Ones to Watch®, Insurance Law; Personal Injury Litigation - Defendants (2021-2025)
    • The Best Lawyers: Ones to Watch©, Product Liability Litigation – Defendants (2024-2025)
    • Pennsylvania Super Lawyers Rising Star (2023-2026)
    • Allegheny County Bar Association
    • American Bar Association
    • Gift of Adoption Fund, Board of Directors
    • West Virginia University Alumni Association, Pittsburgh Chapter, Board of Directors
  • Obtained a defense verdict following a jury trial related to an automobile accident.  Brad’s client admitted to liability for causing the accident at trial. Despite this admission, during trial Brad was able to convince the jury that Plaintiff’s limited tort selection applied and that her alleged injuries did not breach the limited tort threshold. The jury returned a verdict against Plaintiff on the limited tort issue, resulting in a complete defense verdict.

    Secured an extremely favorable verdict following a jury trial solely on damages arising out of a motor vehicle accident. Plaintiff alleged a collision with the Defendant’s large truck caused serious head and neck injuries. Through cross examination, Brad was able to demonstrate the Plaintiff’s injuries were largely related to significant pre-accident and degenerative medical conditions. At the conclusion of trial, the jury awarded Plaintiff less than four percent of her settlement demand.

    Negotiated a mid-trial settlement equivalent to less than six percent of the Plaintiff's demand on behalf of an automotive dealership. The Plaintiff sought compensation for spinal injuries allegedly caused by a hazardous condition on the company's premises. Extensive discovery revealed the Plaintiff had a pre-existing history of spinal issues unrelated to the incident in question. Additionally, evidence from social media and surveillance was leveraged to undermine the credibility of the Plaintiff's allegations. The case was settled just prior to opening statements.

    Successfully defended a national carsharing company, resulting in a dismissal of all claims. The case involved a multi-party suit arising out of a commercial auto accident. Through aggressive pleading, Brad obtained a dismissal by arguing that both Federal and State law provisions prohibited any claims against the company. Brad additionally argued the facts as set forth in Plaintiff’s Complaint failed to establish any duty and/or breach on the client’s behalf.

    Obtained a favorable settlement in seven-figure lawsuit, involving a tractor-trailer accident. Following significant discovery, Brad was able to secure a settlement significantly below Plaintiff’s initial demand, after uncovering pre-accident medical records, which identified various inconsistencies related to Plaintiff’s alleged medical damages.

    Secured a dismissal of Plaintiff's claims via a Motion for Summary Judgment in a lawsuit involving a six-vehicle commercial automobile accident. Brad argued Plaintiff's own deposition testimony, along with documentary evidence failed to establish any negligence on the part of the Defendant.

    Secured a favorable verdict in a non-jury trial based on an alleged breach of an automobile warranty. Following testimony, the judge awarded less than ten percent of Plaintiff’s pre-trial settlement demand.

    Successfully defended an insurance company in multiple direct lawsuits brought by an insured. Plaintiff alleged property damages arising out of a motor vehicle accident. Plaintiff also alleged, in a separate lawsuit, that the insurance company failed to comply with the terms of a warranty and acted in bad faith. Brad argued that Plaintiff lacked standing to bring these suits, while also disputing the merits of Plaintiff’s allegations. The cases were dismissed via a Motion for Judgment Non Pros and a Motion for Summary Judgment.

    Secured a dismissal of all claims via Summary Judgment on behalf of a national grocery store chain. Plaintiff alleged she was caused to fall in the store due to an accumulation of a wet substance. Deposition testimony and written discovery revealed that Plaintiff could not identify what the substance was, how long it had been present, or whether the store had notice of the substance. Based upon this the Court granted the store’s Motion for Summary Judgment.

    Negotiated a favorable settlement in a six-figure UIM/Bad Faith case. Discovery and deposition evidence revealed Plaintiff had pre-existing injuries, which were not initially reported. Research further revealed Plaintiff working a second, under-the-table job during her alleged disability period. This information eventually led to a successful settlement on behalf of our client.

    Secured a dismissal of Plaintiffs' claims in a product liability lawsuit brought against a national manufacturer. Plaintiffs alleged they sustained property damage due to a defective washing machine. Brad argued that Plaintiffs could not establish the requisite expert testimony to pursue a specific design theory; or the requisite documentary evidence to proceed under a malfunction theory. As a result, the Court granted the Defendant's Motion for Summary Judgment.

    Obtained Summary Judgment on behalf of an insurance agency in a seven-figure negligent procurement case. The trial court’s ruling was based upon a determination of a lack of fiduciary duty, misrepresentation, and causation on behalf of both the insurance agent and agency.

    Successfully defended a global food service corporation against a Plaintiff alleging various violations under 42 U.S.C. 1981 and 42 U.S.C. 1985. In our client’s Motion for Judgment on the Pleadings, Brad argued Plaintiff’s section 1981 right to contract claims were invalid as she failed to demonstrate any contractual impairments. Brad argued Plaintiff’s section 1985 claims were barred by the intracorporate conspiracy doctrine, as the alleged conspiracy involved two employees of the same company. Plaintiff’s claims were dismissed in their entirety.

    Obtained a defense judgement at arbitration on behalf of an apartment complex in a case involving a Plaintiff's suit for invasion of privacy and negligent infliction of emotional distress. Brad argued that Plaintiff's claims for invasion of privacy were legally insufficient, as there existed no proof of an actual intrusion. He further argued that Plaintiff could not pursue her negligent infliction of emotional distress claim, as she suffered no physical harm.

    Obtained multiple defense judgments on behalf of various auto manufacturers involved in breach of warranty lawsuits.

    • Defense Litigation: Key Concepts and Current Developments, Marshall Dennehey Client Seminar, March 2026
    • Defense Perspectives: Bodily Injury and Bad Faith Claims, Marshall Dennehey Client Seminar, April 2025
    • Discovery 2.0: Understanding and Utilizing New-Age Discovery Sources, ClaimsXChange Annual Conference, October 2024
    • Northeastern Casualty and Worker’s Compensation Litigation Trends, Marshall Dennehey Client Seminar, June 2024.
    • Auto and Premises Liability Case Strategy and Evaluation, Marshall Dennehey Client Seminar, May 2024
    • Pennsylvania and New Jersey Defense Litigation Updates and Strategies, Marshall Dennehey Client Seminar, June 2023
    • Pennsylvania Transportation Claim Valuation, Marshall Dennehey Client Seminar, September 2022
    • Continuing Impact of COVID-19 & Case Law Updates, Marshall Dennehey Client Seminar, March 2022
    • Best Practices for Claim Log Notes, Marshall Dennehey Client Seminar, June 2021
    • Special Damages in Auto and Trucking Claims in Pennsylvania, Marshall Dennehey Client Seminar, January 2020
    • Arbitration – Practice and Procedure, Marshall Dennehey Internal Presentation, June 2019
    • Social Media Evidence, Marshall Dennehey Client Seminar, February 2017
    • Premises Liability Claims in Pennsylvania, Client Seminar, June 2015
    • UIM/UM & Bad Faith Law Updates, Client Seminar, May 2014  

Results

Thought Leadership

CLM Magazine

Paul Miller's Law: Direct and Punitive Transportation Exposure

March 18, 2026

As we turn the calendar to another year, Paul Miller’s Law (Pennsylvania’s Distracted Driving Law) moves from a newly enacted statute into an established feature of Pennsylvania’s transportation law. What began in 2025 as a phased-in regulatory change, now enters 2026 as a fully enforceable rule that drivers, employers, and insurers are expected to understand and account for. While Paul Miller’s Law does not represent a fundamental shift in liability standards, it does add an additional point of consideration for companies whose operations include employee driving. Understanding how the law may be referenced in practice will be necessary to managing exposure, guiding internal policies, and driving defense strategy in transportation litigation. Read the full article here: Paul Miller’s Law: Direct and Punitive Transportation Exposure/Articles/CLM Magazine. 

PAMIC Pulse

From Instagram to the Jury: Lessons in Digital Evidence Authentication

October 1, 2025

In an era when nearly every potential litigant carries a digital record of their daily life, social media evidence has become a staple in both criminal and civil proceedings. Text messages, direct messages, posts, and even audio files shared over social media platforms can provide critical insights into liability, damages, and credibility. Yet, as the Pennsylvania Superior Court’s decision in Commonwealth v. Floyd, 2025 WL 1905168 (Pa. Super. 2025) demonstrates, such evidence cannot be taken at face value. Its admission requires proper authentication, and failure to meet these standards can result in exclusion—even when the evidence seems obviously relevant.

Firm Highlights

Thought Leadership

Appeals Court Reverses Trial Court Order Awarding Attorney’s Fees Due to Lack of Evidence to Support Fee Awarded

The Fourth District Court of Appeal reversed the trial court’s order awarding appellate fees to People’s Trust Insurance Company based upon a lack of evidence to support the attorney’s fee award in RM & Assocs. Consulting, Inc. v. People's Trust Ins. Co., 2026 Fla. App. LEXIS 4654 (Fla. 4th DCA 2026). People’s Trust was the insurer of a residential property that had sustained water damage. RM & Associates Consulting was hired by the homeowner to perform mitigation services at the property. The homeowner assigned post-loss benefits to RM and RM subsequently filed suit against People’s Trust alleging that it had not been paid the money it was owed for the mitigation services. People’s Trust defended the lawsuit on the ground that the policy required the insured to notify the insurer before authorizing repairs so People's Trust could elect to use its preferred contractor. Because the owner did not comply with that provision, People's Trust asserted its liability was limited to the amount that its preferred contractor would have charged for the work, which People's Trust contended was $2,000. People's Trust paid that amount to RM before RM filed suit. People’s Trust filed a motion for summary judgment which was granted. RM appealed the summary judgment ruling and the ruling was upheld by the Fourth District Court of Appeal. The appellate court also granted People’s Trust’s entitlement to appellate attorney’s fees, subject to the trial court’s determination of the amount of fees, based upon an offer of judgment made by People's Trust. On remand, the trial court held an evidentiary hearing to determine the amount of attorney’s fees People’s Trust was entitled to. At the hearing, People’s Trust presented testimony from it’s fee expert, supervising trial counsel and appellate counsel. People’s Trust sought recovery of $24,866.17 for work performed by appellate counsel. The request primarily consisted of work performed in preparation of the answer brief. The fee expert testified that more than ninety hours spent preparing the answer brief was reasonable given the complexity and significance of the underlying issue. The appellate court found that the fee expert’s testimony fell short of meeting the necessary standard of demonstrating that the hours expended were necessary. The appellate court found that the billing records did not serve to cure the deficient testimony, as the billing records did not contain adequate details regarding the specific tasks performed. Rather the records contained entries such as “answer brief” which the appellate court found to be insufficient. The appellate court noted that neither the fee expert or counsel addressed how the prior research and briefing in the parallel litigation informed the work in the instant matter. The appellate court noted this was significant in that a court's attorney's fees award must exclude excessive, redundant, or otherwise unnecessary hours, citing Florida Patient's Compensation Fund v. Rowe, 472 So. 2d 1145 (Fla. 1985). Based upon the record failing to support the finding of the trial court, the 4th DCA remanded the case to the trial court for a reconsideration and redetermination of reasonable appellate attorney’s fees supported by competent substantial evidence. The 4th DCA reiterated that the fee expert’s focus on the quality of the work and the importance of the work to People’s Trust did not make up for the perceived deficiencies in the position that spending over ninety hours on a single answer brief was reasonable. Whether moving for attorney’s fees or challenging the amount of fees being sought by an opposing party, practitioners should be mindful of the evidence being used to support the claims being made. Parties should pay close attention to whether the hours being sought may be impacted by prior litigation either party may have engaged in. A party must be prepared to address how prior litigation efforts did or did not impact the amount of hours being claimed in current litigation. Lastly, billing records must be sufficiently detailed so as to support any potential future fee claim.

News

106 Marshall Dennehey Attorneys Recognized in the 2027 Editions of The Best Lawyers in America® and the Best Lawyers: Ones to Watch® in America

Marshall Dennehey is proud to highlight the firm’s 106 attorneys who have been recognized in the 2027 editions of The Best Lawyers in America® and the Best Lawyers: Ones to Watch® in America. Less than 6% of all practicing lawyers in the U.S. were selected by their peers for this recognition. Additionally, four of the firm’s attorneys received the Best Lawyers® 2027 “Lawyer of the Year” awards in their respective practice areas and demographic regions. Since it was first published in 1983, Best Lawyers® has become universally regarded as the definitive guide to legal excellence. Best Lawyers lists are compiled based on an exhaustive peer-review evaluation. For more information, please visit https://www.bestlawyers.com/. OUR 2027 LAWYERS OF THE YEAR Harrisburg, PA Christopher Reeser, Personal Injury Litigation - Defendants Kacey Wiedt, Workers Compensation Law - Employers Roseland, NJ Justin F. Johnson, Medical Malpractice Law - Defendants Leonard Leicht, Personal Injury Litigation - Defendants   OUR 2026 BEST LAWYERS IN AMERICA Philadelphia, PA Nicholas D. Bowers, Personal Injury Litigation - Defendants Josh J. T. Byrne, Professional Malpractice Law - Defendants Jefferey J. Chomko, Insurance Law James H. Cole, Insurance Law John J. Delany III, Personal Injury Litigation - Defendants Laurianne Falcone, Personal Injury Litigation - Defendants John P. Gonzales, Employment Law - Management John Hare, Appellate Practice Daniel D. Krebbs, Personal Injury Litigation - Defendants Michele Punturi, Workers' Compensation Law - Employers Bradley D. Remick, Product Liability Litigation - Defendants Andrea Cicero Rock, Workers' Compensation Law - Employers Robin M. Romano, Workers' Compensation Law - Employers Daniel J. Ryan, Jr., Personal Injury Litigation - Defendants Gary M. Samms, Professional Malpractice Law - Defendants Christopher N. Santoro, Personal Injury Litigation – Defendants; Product Liability Litigation -Defendants Josh D. Scheets, Personal Injury Litigation - Defendants Robert P. Schenk, Workers' Compensation Law - Employers Robert E. Smith, Insurance Law Robin Snyder, Litigation - Health Care Michael L. Turner, Commercial Litigation; Criminal Defense: White-Collar; Mass Tort Litigation / Class Actions - Defendants Claire Breaux Ventola, Product Liability Litigation - Defendants Pittsburgh, PA Melissa Devich Cochran, Commercial Litigation; Mass Tort Litigation / Class Actions – Defendants; Product Liability Litigation - Defendants  John F. Deasy, Personal Injury Litigation – Defendants; Product Liability Litigation - Defendants Daniel W. Deitrick, Workers' Compensation Law - Employers Douglas C. LaSota, Litigation - Construction; Mass Tort Litigation / Class Actions - Defendants Joseph V. Lesinski, Product Liability Litigation – Defendants   Christian D. Marquis, Personal Injury Litigation - Defendants Patricia A. Monahan, Insurance Law; Litigation - Insurance Patrick T. Reilly, Commercial Litigation; Mass Tort Litigation / Class Actions – Defendants; Product Liability Litigation - Defendants Brett C. Shear, Medical Malpractice Law - Defendants Teresa O. Sirianni, Education Law; Employment Law – Management; Litigation - Labor and Employment Stuart Sostmann, Product Liability Litigation – Defendants Danielle M. Vugrinovich, Mass Tort Litigation / Class Actions - Defendants Scranton, PA Sarah E. Argo, Litigation - Insurance Michael J. Connolly, Personal Injury Litigation – Defendants; Professional Malpractice Law - Defendants Matthew Keris, Litigation - Health Care; Medical Malpractice Law - Defendants John T. McGrath, Jr., Insurance Law; Medical Malpractice Law – Defendants; Product Liability Litigation - Defendants William J. McPartland, Insurance Law John R. Nealon, Product Liability Litigation - Defendants Victoria Scanlon, Health Care Law; Litigation - Health Care; Medical Malpractice Law - Defendants Michael A. Sebastian, Workers' Compensation Law - Employers Thomas A. Specht, Insurance Law; Litigation - Insurance Suzanne Tighe, Litigation Insurance Harrisburg , PA Casey Alan Coyle, Administrative/Regulatory Law; Appellate Practice; Commercial Litigation Brittany E. Bakshi, Personal Injury Litigation - Defendants Shannon P. Fellin, Workers' Compensation Law - Employers Allison Krupp, Insurance Law John R. Ninosky, Litigation – Insurance; Personal Injury Litigation - Defendants Christopher Reeser, Personal Injury Litigation - Defendants Kacey Wiedt, Workers' Compensation Law – Employers King of Prussia, PA  Michael L. Detweiler, Construction Law Joseph L. Hoynoski III, Medical Malpractice Law - Defendants Gregory J. Kelley, Construction Law, Litigation - Construction Anthony Natale III, Workers' Compensation Law - Employers Francis X. Wickersham, Workers' Compensation Law - Employers A. Judd Woytek, Workers' Compensation Law – Employers Erie, PA Patrick M. Carey, Personal Injury Litigation - Defendants Joel M. Snavely, Health Care Law; Insurance Law New Haven, CT Michael Wrona, Commercial Litigation, Litigation - Bankruptcy  Mount Laurel, NJ David D. Blake, Litigation - Insurance Barbara Davis, Personal Injury Litigation - Defendants Lynne Nahmani, Litigation - Health Care John H. Osorio, Personal Injury Litigation - Defendants John L. Slimm, Legal Malpractice Law – Defendants; Professional Malpractice Law – Defendants Roseland, NJ Robert T. Evers, Medical Malpractice Law - Defendants Justin F. Johnson, Medical Malpractice Law - Defendants Julia Klubenspies, Medical Malpractice Law - Defendants Leonard C. Leicht, Personal Injury Litigation - Defendants Patricia M. McDonagh, Appellate Practice Sunny Sparano, Litigation - Construction Randall S. Watts, Health Care Law New York, NY Tonya M. Lindsey, Medical Malpractice Law - Defendants Tampa, FL Michael Archibald, Personal Injury Litigation - Defendants Lindsay G. McCormick, Litigation – Construction Orlando, FL Thomas F. Brown, Personal Injury Litigation - Defendants Dante C. Rohr, Commercial Litigation Fort Lauderdale, FL Kimberly Kanoff Berman, Appellate Practice Patrick M. Delong, Personal Injury Litigation – Defendants Jacksonville, FL  Heather Byrer Carbone, Workers' Compensation Law - Employers Linda Wagner Farrell, Workers' Compensation Law - Employers Elizabeth B. Ferguson, Litigation - Construction James P. Hanratty, Personal Injury Litigation – Defendants Wilmington, DE Sarah B. Cole, Litigation - Insurance Benjamin K. Durstein, Workers' Compensation Law - Employers Maria R. Granaudo, Medical Malpractice Law - Defendants  Keri L. Morris-Johnston, Workers' Compensation Law - Employers Cincinnati, OH Timothy B. Schenkel, Personal Injury Litigation - Defendants David E. Williamson, Personal Injury Litigation - Defendants Cleveland, OH Vincent E. Cononico, Litigation – Insurance, Personal Injury Litigation - Defendants Jillian L. Dinehart, Personal Injury Litigation - Defendants David J. Fagnilli, Insurance Law Jason P. Ferrante, Health Care Law, Litigation - Health Care Andrew H. Isakoff, Transportation Law Leslie M. Jenny, Litigation - Health Care; Medical Malpractice Law – Defendant OUR 2026 BEST LAWYERS: ONES TO WATCH Jacksonville, FL Sean J. Reeves, Personal Injury Litigation – Defendants; Product Liability Litigation - Defendants Orlando, FL Carolin A. Pacheco, Insurance Law Mount Laurel Stacey Gorin, Insurance Law Melville, NY Kimberly Gitlin, Personal Injury Litigation – Defendants Matthew A. Gray, Insurance Law; Personal Injury Litigation - Defendants Philadelphia, PA Holli K. Archer, Health Care Law; Medical Malpractice Law – Defendants; Professional Malpractice Law Emily Pritchyk, Commercial Litigation; Product Liability Litigation – Defendants Pittsburgh, PA Taylor E. Kosko, Mass Tort Litigation / Class Actions – Defendants; Personal Injury Litigation - Defendants Alana Staniszewski, Workers' Compensation Law - Employers Michael D. Winsko, Product Liability Litigation – Defendants; Transportation Law King of Prussia, PA Richard Lechette, Commercial Litigation; Insurance Law, Personal Injury Litigation – Defendants

Thought Leadership

First DCA Reverses Excessive Jury Award Unsupported by the Evidence

In December 2019, the plaintiffs filed a claim with Universal for damages caused by a water and sewage back up through the plumbing system and existing through multiple fixtures including the washing machine drain, kitchen sink, dishwasher, bathtub and toilet. Universal investigated the claim, issued payment for resulting water damage totaling $7,000.00 in actual cash value ($12,000.00 in replacement cost value). The plaintiffs sought additional benefits for work needed to access the below-slab cast iron plumbing system due to the failure of the system from rust, deterioration, corrosion and breaks in the line. Universal denied any additional benefits for access. In 2021, the plaintiffs filed suit. During litigation, Universal sent a plumber to inspect the home and the plumber concluded the pipes were clogged but could be cleaned. The plaintiffs’ plumber testified that the plumbing system needed to be replaced due to holes and openings in the pipes. The plaintiffs introduced two estimates prepared by Triad Restoration services totaling $79,680.22 in replacement cost value and $50,219.97 in actual cash value and an executed contract with another company for repairs with the amounts of repair redacted. Since the insurance policy did not provide coverage for repair or replacement of the plumbing system, the jury only had to decide whether the plumbing system needed to be replaced, and if it did, Universal would owe for the access costs; the jury verdict form required the jury to determine both the replacement cost value and actual cash value amounts. The jury asked if it had to rely on the Triad estimates for their amounts. The trial court advised the amount awarded had to be based on the evidence presented at trial and the law given by the trial court. The jury awarded $335,000.00 in replacement cost value or $305,000.00 in actual cash value. Universal motioned for a new trial arguing the amount awarded was unsupported by the evidence and then moved for remittitur. The trial court denied both motions and this appeal followed. The court found that while a jury’s verdict should only be disturbed with caution and discretion, the trial court must give the properly challenged award close scrutiny and determine whether it bears a reasonable relation to the damaged provided, is supported by the evidence, and could have been reached in a logical manner by reasonable means §768.74(3), (5)(d)-(e), Fla. Stat. The court found the trial court did consider the statutory requirements at the hearing on Universal’s remittitur motion and was concerned about a reasonable relation to the amount of damages proved and injury suffered and whether the award was supported by the evidence, but ultimately denied the motion, reasoning that the jury had been properly instructed to fairly and adequately compensate the plaintiffs. The court noted the only evidence providing the basis for the jury verdict was Triad’s estimates and those valued the plaintiffs' claimed loss at $79,680.22 in replacement cost value and $50,219.97 in actual cash value; no valuation evidence reasonably supported the jury verdict. The plaintiffs argued that the jury was entitled to consider more than the estimates, but the court conveyed the evidence provided did not give the jury a way to reach the amounts they awarded. The court was also not swayed by the plaintiffs’ argument regarding inflation and later price increases, but the court noted that no evidence via the contract, nor testimony regarding increase in labor, material, fuel or construction costs were entered into the record.  The court concluded the jury may draw reasonable inferences from the evidence, but it may not supply a damages number by speculation. The court did not find any of the plaintiffs’ remaining argument persuasive either. The court reversed the denial of Universal’s remittitur motion and motion for new trial as to damaged and remanded the case. The court ended its opinion with advising the trial court must determine whether replacement cost value or actual cash value is the property measure of damages under the policy and order remittitur in an amount consistent with that determination and the evidence.

Thought Leadership

United State District Court for the Middle District of Florida finds Evidence of Replacement Cost Value is Admissible and Recoverable Even When Repairs Have Not Been Made

The plaintiff filed a claim for damage as a result of Hurricane Ian. It claimed damages were over $24 million, but the carrier accepted partial coverage and paid $8,307.49 for secondary components. The carrier found hurricane damage to the building, but it was below the insurance policy’s $3.6 million deductible. The plaintiff sued for breach of the insurance policy. The carrier argued in a motion for summary judgment that plaintiff could not recover replacement cost value (RCV) because the property repairs had not been effectuated. The policy provided for RCV, but only after the repairs were completed. The carrier argued that because the repairs were not completed, the plaintiff was not entitled to RCV damages. The plaintiff argued the carrier could not withhold the actual cost value (ACV) due, which was the main allegation of the lawsuit, then fault it for not making the repairs to unlock the RCV. The United States District Court for the Middle District of Florida rejected the carrier’s argument, finding that when an insurer allegedly breached the policy by withholding coverage, it could not hide behind a repair-contingent provision to block the insured from RCV damages at trial. The court found the issue to be whether the contractual language designed to preclude certain coverage until after repairs are completed barred an insured from seeking those damages at trial when repairs were not complete. The court noted the Eleventh Circuit had not resolved this issue and neither side pointed to a definitive answer from the Florida Supreme Court. The court reasoned that it must look to the Sixth District Court of Appeal (6th DCA), which is the court which would have heard this case if it was in state court. The court noted the 6th DCA recently addressed this issue in Universal Prop. & Cas. Ins. Co. v. Rodriguez, 427 So. 3d 676 (Fla. 6th DCA 2026). The Rodriguez Court found that a breach of contract action is designed to adjudicate not only whether the contract was breached, but also evaluate the damages incurred had the breach not occurred, which the Rodriguez court found to be recovery of the RCV. This court also noted basic Florida contract principles compelled the same result, as a material breach frees the nonbreaching party to suspend its own performance and can demand the full benefit of its bargain, including RCV damages. Finally, the court found the distinction between a full denial and partial denial did not compel a different result. It found the policy required the carrier to acknowledge coverage and pay ACV for all covered damages, and the failure to do that is a material breach, entitling the insured to all of the damages available under the contract, which included the RCV.