Case Background

Claribel Terrero owned a home in Hialeah, Florida. She maintained a homeowner’s insurance policy from Citizens Property Insurance Corporation. The policy was valid at the time of the dispute and listed coverage for property damage. Citizens conducted business in Miami-Dade County, where both the policy and the insured property were based.

Cause

On September 28, 2022, a severe weather event struck Hialeah, Florida. The storm caused significant roof damage to Claribel Terrero’s property. Rainwater entered the home, resulting in extensive interior damage. At the time, Terrero held an active homeowner’s insurance policy with Citizens Property Insurance Corporation. The policy covered both structural and interior damage caused by weather-related events.

Terrero promptly reported the damage to Citizens. She followed all policy requirements and provided necessary documentation. Citizens acknowledged the claim and assigned it the relevant claim number. An investigation followed. Despite this, Citizens refused to issue full payment or accept liability for the loss. The company’s refusal persisted even though the damage fell within the policy’s covered perils. Terrero alleged that this denial breached the policy’s terms. She believed Citizens had wrongfully withheld coverage and benefits owed under the insurance agreement.

Injury

The storm compromised the structural integrity of the roof. Water seeped into the house, damaging interior spaces. The home became partially uninhabitable. Terrero faced stress and disruption. She depended on the insurance to make essential repairs. The denial left the home exposed to further damage and decay.

Damages

Terrero claime