Facts in the Backdrop of the Incident

Juan Breijo and Amarylis Valle lived in Miami-Dade County, Florida. Their home was covered under a policy by Citizens Property Insurance Corporation. The insurer operated in the same jurisdiction. The couple filed a lawsuit over a disputed claim for storm damage. They demanded more than $30,000 in compensation.

Events Leading to the Legal Dispute

On November 8, 2020, Tropical Storm Eta struck South Florida. It brought strong winds and heavy rainfall. The Plaintiffs reported roof leaks and water damage soon after. They filed a claim with Citizens. The company opened an investigation but disagreed with the Plaintiffs on the cause and extent of the damage. That disagreement led to a legal challenge.

Plaintiffs’ Injuries and Their Impact

The storm damaged the property’s interior and exterior. Water seeped through the roof. Walls, floors, and cabinets suffered damage. Electrical systems and appliances malfunctioned. The Plaintiffs struggled to cover repair costs. They