Russell M. Pfeifer (Partner-Miami, FL) and Emma Nunn (Associate- Miami, FL) obtained final summary judgment in favor of our client insurer on a late reported Hurricane Irma claim. The plaintiffs reported the claim nearly three years after the date of loss and filed suit just shy of the expiration of the statute of limitations. The first inspection of the property occurred at that time. Russell and Emma argued that the plaintiffs’ notice was untimely as a matter of law resulting in prejudice to the carrier, and that the plaintiffs’ proffered evidence was insufficient to overcome the legal burden that arises in Florida upon an insurer’s demonstration that notice was untimely. The plaintiffs offered the affidavit of an engineer in opposition to summary judgment, which relied on historical weather data and historical satellite imaging, and argued the engineer’s inspection was sufficient to overcome the presumption of prejudice. The Miami-Dade Circuit Court disagreed, finding the affidavit was conclusory as it was based on an inspection conducted three years after the date of loss, and granted our motion. This is Russell and Emma’s third consecutive summary judgment win on late reported hurricane claims for the same insurer client.