WEST PALM BEACH, Fla. - Florida insureds' untimely presuit notice of their loss allegedly caused by Hurricane Wilma and their untimely presuit submission of a sworn proof of loss created a presumption of prejudice to their insurer, which they failed to rebut, a Florida appeals panel ruled July 25, affirming a lower court's ruling that there is no coverage for their purported loss (Justin and Selma Soronson v. State Farm Florida Insurance Company, No. 4D10-3234, Fla. App., 4th Dist.; 2012 Fla. App. LEXIS 12100).