( October 8, 2025, 1:51 PM EDT) -- NEW ORLEANS — The Fifth Circuit U.S. Court of Appeals on Oct. 7 held that, absent an independent injury, an insured cannot file tort claims against an insurer under Texas’ Unfair Settlement Practices Act after receiving an appraisal award and statutory interest, affirming a lower federal court’s grant of summary judgment in favor of the insurer in a coverage dispute over wind and hail damage....