The Seventh Circuit recently issued two decisions — one in mid-February 2026, one in early March — that together touch nearly every corner of civil practice. One is a cautionary tale about appellate waiver. The other reshapes what it means for an organization to have standing in federal court.
Tabernacle Church v. Church Mutual: When Waiver Is Final
The facts are straightforward and sympathetic. A small Indiana church suffered a devastating fire. Its insurer paid roughly $1.7 million — the actual cash value of the damage — but the policy contained a replacement cost provision that could have entitled the church to significantly more, conditioned on repairing or replacing the damaged property "as soon as reasonably possible after the loss." Disputes about repair scope dragged on for years, no repairs were started, and eventually the church sued.