Facts in the Backdrop of the Incident

Jorge Trejos and Omar Quintana lived in Miami-Dade County, Florida. Their home at 11511 SW 145th Avenue was insured by Citizens Property Insurance Corporation. The policy covered structural damage, personal property, and loss of use. The insurer operated in Florida and was authorized to issue homeowner’s coverage.

Events Leading to the Legal Dispute

Tropical Storm Eta hit South Florida on November 9, 2020. High winds and rain impacted the Plaintiffs’ home. Water entered the structure, damaging furniture and belongings. Trejos and Quintana promptly reported the loss to Citizens. The company opened a claim. Despite the Plaintiffs’ compliance with policy terms, Citizens either denied parts of the claim or delayed payment. This led to allegations of breach of contract.

Plaintiffs’ Injuries and Their Impact

The home’s structure sustained roof and interior damage. Water affected furniture and personal items. The Plaintiffs lost access to parts of the home. The disruption forced them to navigate daily life without key belongings