Heritage v. Rapkin — Trade-Secret Status Must Be Decided Before Disclosure

Case
Heritage Property & Casualty Insurance Company v. Jeffrey A. Rapkin et al.; Florida Peninsula Insurance Company and Edison Insurance Company v. Department of Financial Services et al.
Court
Florida First District Court of Appeal
Judge
Joseph Lewis, Jr. (Jeb Bush, 2001); Thomas D. Winokur (Rick Scott, 2015); Susan L. Kelsey Neff (Rick Scott, 2015)
Date Decided
November 4, 2026
Docket No.
1D2026-1153; 1D2026-1171
Topics
trade secrets, public records, confidentiality, appellate review

Background

Three Florida insurers sought to prevent disclosure of records submitted during a state investigation into insurance claim-handling practices. They asserted that the sealed records contained trade secrets and other exempt information. Before deciding whether the records were exempt, the trial court ordered that the records be given to public-records requestors who had intervened, subject to a confidentiality order.

The Court’s Holding

The First District Court of Appeal granted the insurers’ consolidated certiorari petitions and quashed the disclosure order. Premature disclosure of claimed trade secrets creates irreparable “cat out of the bag” harm that cannot be repaired on appeal, and a confidentiality order does not necessarily eliminate that injury.

Florida law requires the trial court to decide whether the records qualify as trade secrets or are otherwise exempt before allowing access. That determination must occur through an in camera inspection or a confidentiality-preserving evidentiary hearing. The appellate court did not decide whether the records actually are trade secrets.

Key Takeaways

  • A court must resolve claimed trade-secret status before ordering disclosure to public-records requestors.
  • Premature disclosure can support immediate certiorari review because confidentiality, once lost, cannot be restored.
  • A protective or confidentiality order is not an automatic substitute for deciding the exemption first.

Why It Matters

The decision reinforces procedural safeguards for trade-secret claims in Florida public-records disputes. It protects the opportunity to prove confidentiality without requiring the claimant to reveal the very material whose status remains undecided.

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