Insurance Dispute

In a dispute over property damage allegedly caused by Tropical Storm Eta, homeowner Edgar Moscoso sued Citizens Property Insurance Corporation for breach of contract. He claimed the insurer failed to pay for storm-related repairs to his Miami home. After testimony from both parties and inspections of the property, a jury found no storm-created damage and ruled in favor of the insurer, concluding that the losses fell outside policy coverage.

Richard and Annette Cortes sued Citizens Property Insurance Corporation after their Pinecrest home suffered damage during Tropical Storm Eta. They claimed the insurer wrongly denied coverage under their homeowners policy, leading to financial strain and legal action. Citizens argued that no covered peril caused an opening allowing water intrusion, as required under the policy. On December 11, 2024, a jury found in favor of the insurer, rejecting the Corteses’ breach of contract claim.

After Tropical Storm Eta damaged her Miami-Dade home, Rebeka Perera filed a claim with Heritage Property & Casualty Insurance Company. The insurer denied coverage, citing policy exclusions and delayed reporting. Perera sued for breach of contract and declaratory relief. On May 2, 2025, a jury found the loss was covered and awarded her $631,187.40 in damages. The case highlights the challenges homeowners face when seeking insurance benefits after major storms.

Francois and Marceline Julmis filed a declaratory relief action against Citizens Property Insurance Corporation after a February 2022 plumbing leak damaged their Miami home. The insurer denied their claim, citing maintenance issues and policy exclusions. The Julmises argue the loss falls under their all-risk policy and are asking the court to compel coverage and appraisal, citing damages exceeding $50,000.

Jocelyn Florvil secured a $104,000 jury award in her lawsuit against Universal Property & Casualty Insurance Company, following a dispute over denied coverage for water damage caused by a plumbing failure in her Miami home. Despite the insurer’s claims that Florvil failed to submit to a recorded statement and provide key documents, the jury found no material breach of her duties and determined that Universal’s investigation was not prejudiced.

A Miami jury denied damages to Henry and Rosa Pena, finding no storm-related loss during their insurance policy period.

A Miami jury awarded $69,914 to homeowners Jorge Trejos and Omar Quintana after finding Citizens Insurance liable for storm-related home damage.

A Miami jury ruled in favor of Citizens Property Insurance, rejecting homeowners’ $30K claim for storm damage under policy exclusions.

A Miami-Dade jury found in favor of Universal Property & Casualty Insurance, ruling it did not breach contract in a $30K water damage claim brought by homeowner Michael Pemberton.

A Dallas County jury awarded $150,000 to investor Sydney Hodgkinson in an investment fraud lawsuit against Paul Rogers and BAMFL, Inc. The verdict followed claims that Rogers misrepresented real estate ownership and failed to provide documentation after receiving $88,000. The jury found the defendants breached a settlement agreement and caused Hodgkinson financial harm.

Jury awards $64K to Claribel Terrero in homeowners insurance dispute with Citizens over storm damage claim.

A Miami-Dade County jury recently awarded $40,000 in a homeowners insurance denial lawsuit stemming from Tropical Storm Eta damage to the Hialeah property of plaintiffs Yamirka Castro Almora and Armando Quintans Castro. The case, brought against People’s Trust Insurance Company, concluded after the jury found the plaintiffs had proven the storm caused direct physical damage during the policy period, entitling them to coverage under the terms of their insurance policy.