At Home Auto Glass LLC, a Sarasota windshield replacement shop, was one of Florida’s most prolific plaintiffs in the state’s wave of auto glass insurance litigation. The At Home Auto Glass lawsuits fall into two groups: a $1.4 million federal fraud case that State Farm filed against the company and lost, and a series of state appellate cases in which insurers successfully forced the company’s billing disputes into appraisal. Florida’s 2023 legislative reforms then eliminated the assignment-of-benefits model that had generated thousands of the company’s cases, though the business itself remains registered and active.
The Business Model Behind the Lawsuits
At Home replaced windshields for policyholders and had those customers sign an assignment of benefits, a legal document transferring the right to collect insurance proceeds to the shop. Florida comprehensive auto policies covered windshield replacement with no deductible, so the customer paid nothing. Holding the assignment, At Home billed the insurer directly and, when the insurer paid less than the invoice, sued for the difference in the insurer’s name.
Most of these cases sat in small claims and county courts. Individual amounts were modest but the gap between invoice and payment was wide. In one representative case, At Home invoiced $2,477 for a replacement and the insurer paid $333, arguing it owed only the “prevailing competitive price.” That gap, multiplied across thousands of claims, drove the litigation.
State Farm’s $1.4 Million Federal Suit
In 2021, State Farm Mutual Automobile Insurance Company and State Farm Fire and Casualty Company sued At Home Auto Glass LLC, principal William Camp, and Nicholas Alexander in the U.S. District Court for the Middle District of Florida. State Farm sought $1.4 million, alleging violations of the Florida Deceptive and Unfair Trade Practices Act and unjust enrichment for windshield payments made between late 2018 and early 2021.1GlassBytes. State Farm Seeks Trial in $1.4 Million Suit Against Auto Glass Company
State Farm’s complaint described At Home as a “middle man” set up to look like a repair shop without performing actual repairs. The insurer alleged that At Home’s sales personnel went door to door without required Florida licenses, lured customers with gift cards and referral bonuses, and used authorization forms that concealed what was being billed. The invoices, State Farm said, contained fabricated charges, misrepresented hours worked, and falsely stated that customers had reviewed and approved the amounts.1GlassBytes. State Farm Seeks Trial in $1.4 Million Suit Against Auto Glass Company2CaseMine. State Farm Mut. Auto. Ins. Co. v. At Home Auto. Glass LLC
The Ruling
The court granted summary judgment to At Home on every claim. On the deceptive trade practices count, it found that State Farm had failed to show any consumer was harmed or financially impacted. Customers received the promised windshield repairs at no cost, and State Farm had paid for services actually rendered under its policies. The unjust enrichment claim failed on similar reasoning: At Home had provided value in exchange for the payments.2CaseMine. State Farm Mut. Auto. Ins. Co. v. At Home Auto. Glass LLC
After granting summary judgment, the court dismissed State Farm’s remaining request for a declaratory judgment as a matter better handled by a Florida state court. State Farm moved for reconsideration, and the court denied that motion on February 6, 2025.2CaseMine. State Farm Mut. Auto. Ins. Co. v. At Home Auto. Glass LLC
The Appraisal Clause Appeals
A separate line of cases turned on whether insurers could force these billing disputes into appraisal instead of trial. Insurance policies commonly let either side demand an independent appraiser to set the “amount of loss.” At Home argued that when the physical damage was undisputed and only price was in dispute, the appraisal clause did not apply. Florida appellate courts rejected that argument twice.
In Mendota Insurance Co. v. At Home Auto Glass, LLC, decided in May 2022, the Fifth District Court of Appeal held that “amount of loss” covers both the extent of the physical damage and the cost to repair or replace it. The case involved a $2,175 invoice on which Mendota had paid $899. The court reversed the trial court’s denial of Mendota’s motion to compel appraisal, finding that limiting the clause to physical damage would render it meaningless.3Midpage. Mendota Insurance Co. v. At Home Auto Glass, LLC
A year later, the Sixth District Court of Appeal reached the same conclusion in First Acceptance Insurance Co. v. At Home Auto Glass, LLC. At Home had invoiced $2,477; First Acceptance paid $333 and demanded appraisal. The trial court sided with At Home, but the appellate court reversed on the Mendota precedent and rejected the shop’s arguments based on prohibitive cost and public policy.4FindLaw. First Acceptance Insurance Company v. At Home Auto Glass, LLC In a related decision, the Fifth District upheld the dismissal of 16 AOB lawsuits filed by At Home’s attorney, Earl Higgs, against Progressive Insurance companies.5Insurance Journal. Florida Appeals Court Tosses 16 Auto Glass AOB Lawsuits Against Progressive
How Much Litigation the Company Generated
A Safelite lobbyist told a Florida House committee that At Home was responsible for nearly 5,700 auto glass lawsuits in a single year. Statewide, auto glass suits totaled roughly 37,000 in 2022, which lawmakers described as a 5,000 percent increase over the prior three years. State Farm and Nationwide reported that 99 percent of their national auto glass litigation was concentrated in Florida.6Florida Politics. House Panel Drives Bill Blocking Auto Glass Repair Lawsuits to Final Committee Stop
The filings came from a small group of lawyers. The National Insurance Crime Bureau cited data showing that 30 attorneys accounted for all of the auto glass suits filed in 2020, with one attorney responsible for more than 8,700 filings.7NICB. Consumer Protection Coalition and NICB Release PSAs on AOB Auto Glass Abuse At Home’s counsel across its appellate cases was Earl Higgs of Higgs Law P.A. in Orlando.5Insurance Journal. Florida Appeals Court Tosses 16 Auto Glass AOB Lawsuits Against Progressive
The 2023 Laws That Ended the Model
Senate Bill 1002, sponsored by Senator Linda Stewart, passed the Florida Senate 40-0 and was signed by Governor Ron DeSantis on May 25, 2023.8The Florida Bar. Bill to Eliminate Assigning Insurance Benefits to Auto Glass Repair Companies Clears the Senate Its central provisions:
- Prohibited assignment of benefits agreements for auto glass repair and replacement on policies issued or renewed after July 1, 2023, and rendered any such agreements void and unenforceable.9Florida Senate. CS/SB 1002 Bill Text
- Barred repair shops from offering gift cards, bonuses, or other inducements in exchange for filing insurance claims.
- Required insurers to offer policyholders a choice of multiple shops rather than mandating one.
- Brought Advanced Driver Assistance Systems calibration under the Florida Motor Vehicle Repair Act.
House Bill 837, a broader tort reform signed on March 24, 2023, repealed the statutory provisions that had allowed policyholders and their assignees to recover attorney fees from insurers when they prevailed in coverage disputes. That change removed the financial lever that made even small claims expensive for insurers to fight.10Milliman. How Tort Reforms Are Shaping Insurance Claims in Florida and Georgia
The combined effect was steep. Auto glass suits between plaintiffs and insurers dropped from 24,720 in the second quarter of 2023 to 2,613 in the second quarter of 2024, a decline of nearly 90 percent.10Milliman. How Tort Reforms Are Shaping Insurance Claims in Florida and Georgia
Where the Company Stands Now
At Home Auto Glass LLC remains an active Florida limited liability company, registered at 6425 15th Street East in Sarasota. Its authorized members are William S. Camp and Sonny Grant, and its most recent annual report was filed in April 2026.11Florida Division of Corporations. At Home Auto Glass LLC – Sunbiz Detail The company was first filed in January 2017. Nicholas Alexander, named alongside Camp in the State Farm federal case, no longer appears in the corporate filings. The business remains registered, but the AOB-driven lawsuit model that produced thousands of its cases against Florida insurers no longer exists under state law.