Universal Property v. Latocki — affirmed the circuit court’s judgment without a written opinion

Case
Universal Property and Casualty Insurance Company v. Mark Latocki
Court
Florida Fifth District Court of Appeal
Judge
Makar; Edwards; Harris
Date Decided
September 10, 2026
Docket No.
5D2024-2093
Topics
Insurance; Appeals; Per Curiam Affirmance
Source
Read the full opinion

Background

Universal Property and Casualty Insurance Company appealed from a decision of the Circuit Court for Citrus County in litigation against Mark Latocki. Circuit Judge Caroline Anne Falvey presided over the lower-court proceeding.

The Fifth District Court of Appeal’s opinion does not describe the insurance dispute, the circuit court’s ruling, the parties’ arguments, or the issues presented on appeal.

The Court’s Holding

The Fifth District affirmed the circuit court’s decision in a per curiam disposition. Judges Makar, Edwards, and Harris concurred.

Because the court issued only the word “AFFIRMED” and provided no reasoning, the opinion establishes no stated rationale for the result and does not identify which arguments the appellate court accepted or rejected.

Key Takeaways

  • The circuit court’s decision in favor of Mark Latocki remains undisturbed.
  • The appellate court affirmed without a written explanation of its reasoning.
  • The opinion supplies no factual or legal analysis from which a broader rule can be drawn.

Why It Matters

The decision ends the appeal in Latocki’s favor unless altered through an authorized post-decision motion or further review. Its practical effect is case-specific because the Fifth District did not explain the basis for affirmance.

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