Policy and Property Overview

Jocelyn Florvil owned a home in Miami-Dade County, Florida. She insured the property through Universal Property & Casualty Insurance Company. The policy was an all-risk homeowner’s insurance contract. It covered damage to the dwelling, personal property, and surrounding structures. The insured property was located at 10425 NW 2nd Ct., Miami. At the time of the incident, the insurance contract was active and valid.

Incident and Insurance Claim

On December 27, 2018, a major plumbing failure occurred at Florvil’s home. The event was sudden and severe. Water damaged the inside of the house, leading to substantial loss. Florvil submitted a claim to her insurer. Universal acknowledged receipt and assigned a relevant claim number. Despite involvement by the company’s adjusters, no formal coverage decision followed. The insurer cited no specific exclusions. They also failed to adjust or pay out the full claim.

Property Damage and Disruption

The plumbing incident caused wide-ranging damage to Florvil’s home interior. Water intrusion affected daily use of the property. Florvil faced urgent repair needs. The insurer’s refusal to pay delayed restoration efforts. She relied on the insurance contract for relief but received no full payment. As a result, she experienced continued hardship. The lack of resolution forced her to seek legal counsel to address the matter.

Legal Action and Financial Demands

Florvil filed a lawsuit for breach of contract. She claimed Universal failed to honor their obligations under the insurance policy. The complaint demanded full coverage for the loss, plus interest. She