Eversheds Sutherland 11th Circuit Business Blog
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SPLIT PANEL UPHOLDS DISMISSAL OF FORCE-PLACED INSURANCE CLAIMS UNDER FILED-RATE DOCTRINE

Last week, a split panel of the Eleventh Circuit upheld the dismissal of a class action over “force-placed insurance” under the filed-rate doctrine.  Patel v. Specialized Loan Servicing, LLC, 2018 WL 4559091 (11th Cir. Sept. 24, 2018). The “force-placed insurance” in question concerns the residential mortgage market.  A typical mortgage contract requires the borrower to obtain hazard...