UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY
v.
REESE F. KING AND JANICE A. KING

Fla. 6th DCA | 2026-07-24
No. 2024-0241
Shinholser, J., Smith, J., Mize, J., Gannam, J.
2026 FL 9518 Florida District Court of Appeal, Sixth District (2026)

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Holding

An insured is entitled to recover the replacement cost value of their loss under an insurance policy.


Facts & Procedural History

Universal Property & Casualty Insurance Company issued a property insurance policy to Reese F. King and Janice A. King. The Kings filed a claim for re…

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Opinion of the Court

SIXTH DISTRICT COURT OF APPEAL

STATE OF FLORIDA

Case No. 6D2024-0241 Lower Tribunal No. 19-CA-1808

UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY, Appellant,

v.

REESE F. KING and JANICE A. KING, Appellees.

Appeal from the Circuit Court for Polk County. Olin W. Shinholser, Judge.

July 24, 2026

PER CURIAM.

We affirm the final judgment. On the issue of Appellees' recovery of the replacement cost value of their insured loss under the policy issued by Appellant, we affirm for the reasons stated in Universal Property & Casualty Insurance Co. v. Rodriguez, 427 So. 3d 676 (Fla. 6th DCA 2026), and likewise certify conflict with Universal Property & Casualty Insurance Co. v. Qureshi, 396 So. 3d 564 (Fla. 4th DCA 2024).

AFFIRMED.

SMITH, MIZE and GANNAM, JJ., concur.

David A. Noel and Kara Rockenbach Link, of Link & Rockenbach, P.A., West Palm Beach, for Appellant.

Mark A. Nation, of The Nation Law Firm, Longwood, for Appellees.

NOT FINAL UNTIL TIME EXPIRES TO FILE MOTION FOR REHEARING

AND DISPOSITION THEREOF IF FILED

2


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