Property and Insurance Overview

Edgar Moscoso owned a home at 18090 SW 136th Street, Miami, Florida. He held an active homeowner’s insurance policy with Citizens Property Insurance Corporation. The policy promised coverage for specific types of property damage. Mr. Moscoso paid all premiums as agreed.

Storm Event and Reported Loss

On November 8, 2020, Tropical Storm Eta swept through South Florida. It brought high winds and heavy rainfall. The storm damaged Mr. Moscoso’s roof, allowing water to leak inside the home. Several rooms suffered water damage, including the kitchen, living room, master bathroom, and bedrooms. Mr. Moscoso promptly reported the loss to Citizens.

The insurer opened a claim and inspected the property. Despite this, Citizens did not offer a sufficient payment to repair the damages. Mr. Moscoso believed the response failed to meet the obligations outlined in the policy.

Extent of Damage and Ongoing Impact

Water entered through the storm-damaged roof and spread through the home. The leaks compromised essential living spaces. Mr. Moscoso continued to experience the effects of this damage. He could not complete repairs due to the shortfall in insurance funds. The situation caused ongoing financial and personal stress.

Monetary Relief and Legal Costs

Mr. Moscoso estimat