The wave of COVID-19 litigation is hitting South Florida, but as the old adage goes, the suits seem to be crashing before hitting the shoreline. Recent decisions from the U.S. Southern District dismissed two different lawsuits stemming from COVID-19 claims. The opinions offer a glimpse of how courts are analyzing COVID-19 policy language and may offer insight into the future (or perhaps, more fittingly, the nonfuture) of COVID-19 litigation in Florida.