⚖ Oral Arguments, with Context

A condominium association says a 2019 storm damaged the roofs of its Glenview, Illinois complex. Its insurer, Affiliated FM, valued the damage far below what the association claimed. Just before its extended deadline to sue, Tower Crossing submitted a four-point-three-million-dollar proof of loss, the formal statement of its insurance claim. But its signed and notarized page came from an earlier, lower-dollar draft. Tower Crossing sued weeks later; a district judge ruled the revised proof was not sworn as the policy required, so it did not pause the deadline, and the suit was too late. Tower Crossing says its president consented to using the signed page and that it complied with the policy in substance. The insurer says a signature borrowed from another document does not meet the policy's requirements or start the statutory pause. The Seventh Circuit must decide whether the suit can proceed to a trial about the storm-damage claim.

Tower Crossing v. Affiliated FM Insurance (No. 25-3167) — U.S. Court of Appeals for the Seventh Circuit, argued September 24, 2026.