Florida Insurance Guaranty Association v Restore All: 4th DCA Addresses Appeal

• The Florida Insurance Guaranty Association, Inc. (FIGA) was the appellant in a case before the Fourth District Court of Appeal.
• Restore All, LLC, acting as the assignee of Antonio Gonzalez, served as the appellee in the appellate proceeding.
• The case, identified as No. 4D2025-1518, was decided by the appellate court on September 30, 2026.
• This appeal originated from a prior ruling issued by the County Court for the Seventeenth Judicial Circuit in Broward County.
• The dispute involves the Florida Insurance Guaranty Association and a restoration company operating under an assignment of benefits.

The presence of an assignment of benefits (AOB) in this dispute, with Restore All, LLC acting on behalf of Antonio Gonzalez, further amplifies its importance.

The District Court of Appeal of the State of Florida, Fourth District, recently addressed an appeal involving the Florida Insurance Guaranty Association, Inc. (FIGA) as the appellant. This case, officially designated as No. 4D2025-1518, saw Restore All, LLC, acting as the assignee for Antonio Gonzalez, as the appellee. The appellate court rendered its decision in this matter on September 30, 2026, marking a significant development in the ongoing legal landscape concerning insurance claims in Florida.

This particular legal action originated from a prior judgment issued by the County Court for the Seventeenth Judicial Circuit, located within Broward County. The appeal signifies a continuation of a dispute that began at the county court level, now seeking review and potential modification by a higher judicial authority. The involvement of the Florida Insurance Guaranty Association in an appeal against a restoration company operating under an assignment of benefits highlights the persistent complexities within Florida's insurance and legal sectors, particularly concerning the resolution of claims following an insurer's insolvency.

The legal proceedings for this specific case commenced in the County Court for the Seventeenth Judicial Circuit in Broward. Following a determination made at that initial level, the Florida Insurance Guaranty Association, Inc. opted to pursue an appeal. This action effectively elevated the dispute to the District Court of Appeal of the State of Florida, Fourth District, where it was formally docketed under the case number 4D2025-1518.

The appellate process reached its conclusion with a decision issued on September 30, 2026. This date signifies the official announcement of the Fourth District Court of Appeal's findings regarding the arguments presented by both FIGA, in its capacity as the appellant, and Restore All, LLC, which served as the appellee on behalf of Antonio Gonzalez. Such an appeal from a county court decision to a district court of appeal represents a standard procedural pathway for parties seeking to challenge lower court rulings within Florida's judicial framework.

The primary appellant in this legal challenge is the Florida Insurance Guaranty Association, Inc., widely recognized by its acronym, FIGA. FIGA operates as a non-profit entity, established under Florida state law with the crucial mandate of safeguarding policyholders in the event of an insurance company's financial failure. When an insurer becomes insolvent, FIGA assumes responsibility for handling covered claims, thereby providing an essential safety net for consumers. Its participation in this appeal, known as Florida Insurance Guaranty Association v Restore All, underscores its fundamental role in managing claims that may arise from such unfortunate circumstances.

Conversely, the appellee in this matter is Restore All, LLC, which is acting "a/a/o" (as assignee of) Antonio Gonzalez. This designation indicates that Restore All, a company specializing in restoration services, has received an assignment of benefits from the original policyholder, Antonio Gonzalez. This common arrangement typically empowers the restoration company to directly seek payment from the insurer or, in this particular instance, from FIGA, for the services it has provided. The case, Restore All LLC Antonio Gonzalez case, therefore directly addresses the critical area of assignment of benefits in Florida's insurance landscape, a subject that has garnered significant legal and legislative attention over recent years.

The appeal initiated by the Florida Insurance Guaranty Association, Inc. to the Florida Fourth District Court of Appeal insurance division, specifically case No. 4D2025-1518, carries considerable relevance for various stakeholders within Florida's insurance and legal communities. Appeals involving FIGA frequently illuminate the challenges and interpretations surrounding the state's guaranty fund statutes and their practical application to diverse types of claims, including those that involve third-party assignees. The ultimate outcome of a FIGA appeal Florida case can establish important precedents or provide much-needed clarity on existing legal frameworks governing how claims are processed when an insurer becomes defunct.

The presence of an assignment of benefits (AOB) in this dispute, with Restore All, LLC acting on behalf of Antonio Gonzalez, further amplifies its importance. AOBs have historically been a contentious issue in Florida, often leading to extensive litigation between restoration companies and insurance entities. This specific Florida Insurance Guaranty Association v Restore All case, decided on September 30, 2026, contributes to the evolving body of case law concerning the rights and obligations of all parties involved in assigned claims, especially when a state guaranty association is tasked with fulfilling the obligations of an insolvent insurer.

Lawyers representing policyholders or restoration companies in Florida should analyze this appellate decision for its impact on claims against the Florida Insurance Guaranty Association (FIGA) and the validity of assigned benefits.

Source: Original reporting based on court records from the Florida Fourth District.