The federal district court agreed that the insurer properly rejected the insured's claim for flood damage after suit was not timely filed. 4922 Mgmt. LLC v. Selective Ins. Co. of the Southeast, 2025 U.S. Dist. LEXIS 21173 (M.D. Fla. Feb. 6, 2025).

The insured's property suffered damage during Hurricane Ian. Selective was a write-your-own program carrier participating in the National Flood Insurance Program. Selective issued to the insured a Standard Flood Insurance Policy.