UNITED STATES DISTRICT COURT

SOUTHERN DISTRICT OF FLORIDA

CASE NO. 22-cv-22385-ALTMAN/Reinhart

MIGDALIA LOPEZ, 

Plaintiff, 

v.

GREAT LAKES INSURANCE SE,

Defendant. 

_________________________________________/ 

ORDER ADOPTING REPORT AND RECOMMENDATION

Our Defendant, Great Lakes Insurance SE, filed a motion for summary judgment, arguing 

that the Plaintiff’s “breach of contract suit fails due to her undisputed failure to give prompt notice of 

loss or damage after Hurricane Irma.” Motion for Final Summary Judgment [ECF No. 18] at 8. On 

July 19, 2024, Magistrate Judge Bruce E. Reinhart issued a report and recommendation, in which he 

recommended that we grant the Motion because “as a matter of law, [the Plaintiff’s] notice was 

untimely.” Report and Recommendation (the “R&R”) [ECF No 30] at 8. Magistrate Judge Reinhart 

also issued the following warning:

A party shall serve and file written objections, if any, to this Report and 

Recommendation with the Honorable Roy K. Altman, United States District Court 

Judge for the Southern District of Florida, within FOURTEEN (14) DAYS of being 

served with a copy of this Report and Recommendation. Failure to timely file 

objections shall constitute a waiver of a party’s “right to challenge on appeal the district 

court’s order based on unobjected-to factual and legal conclusions.” 11TH CIR. R. 3-1 

(2016).

Ibid. More than fourteen days have passed, and neither side has objected. See generally Docket; see also 

Notice of No Objection [ECF No. 31] at 1 (“[The Defendant] hereby files notice of its intention not

to object to the Magistrate’s [R&R].”).

When a magistrate judge’s “disposition” has been properly objected to, district courts must 

review that disposition de novo. FED. R. CIV. P. 72(b)(3). But, when no party has timely objected, “the 

Case 1:22-cv-22385-RKA Document 32 Entered on FLSD Docket 08/06/2024 Page 1 of 3
2

court need only satisfy itself that there is no clear error on the face of the record in order to accept 

the recommendation.” FED. R. CIV. P. 72 advisory committee’s notes (citation omitted). Although 

Rule 72 itself is silent on the standard of review, the Supreme Court has acknowledged that Congress’s 

intent was to require de novo review only where objections have been properly filed—and not, as here, 

when no party objects. See Thomas v. Arn, 474 U.S. 140, 150 (1985) (“It does not appear that Congress 

intended to require district court review of a magistrate [judge]’s factual or legal conclusions, under a 

de novo or any other standard, when neither party objects to those findings.”). In any event, the “[f]ailure 

to object to the magistrate [judge]’s factual findings after notice precludes a later attack on these 

findings.” Lewis v. Smith, 855 F.2d 736, 738 (11th Cir. 1988) (citing Nettles v. Wainwright, 677 F.2d 404, 

410 (5th Cir. 1982)).

In his R&R, Magistrate Judge Reinhart found that the Plaintiff failed to provide “prompt” 

notice under Florida law because she “submitted her claim approximately thirty-three months after 

the damage to [her] property.” R&R at 8; see also id. at 7 (“In cases involving notice provisions like the 

one in this case, Florida courts have held that a period of even six-month[s] or less is not considered 

prompt notice as a matter of law.”). Having reviewed the R&R, the record, and the applicable law, we 

find no clear error on the face of Magistrate Judge Reinhart’s R&R and will adopt it in its entirety. 

We hereby ORDER and ADJUDGE as follows: 

1. The Report and Recommendation [ECF No. 30] is ACCEPTED and ADOPTED 

in full.

2. The Defendant’s Motion for Summary Judgment [ECF No. 18] is GRANTED. Final 

judgment shall issue separately pursuant to FED. R. CIV. P. 58. 

3. All hearings and deadlines are TERMINATED, and any other pending motions are 

DENIED as moot. This case shall remain CLOSED.

Case 1:22-cv-22385-RKA Document 32 Entered on FLSD Docket 08/06/2024 Page 2 of 3
3

DONE AND ORDERED in the Southern District of Florida on August 6, 2024. 

 _________________________________

 ROY K. ALTMAN

 UNITED STATES DISTRICT JUDGE

cc: counsel of record

Case 1:22-cv-22385-RKA Document 32 Entered on FLSD Docket 08/06/2024 Page 3 of 3