Case Background

Yamirka Castro Almora and Armando Quintans Castro were residents of Miami-Dade County, Florida. They had purchased a homeowners insurance policy from People’s Trust Insurance Company. The policy remained in effect on November 9, 2020, when Tropical Storm Eta impacted their property in Hialeah, Florida. The insurer assigned claim number CFL20570196 to the reported loss. However, months later, the insurance company denied coverage, prompting the insureds to seek legal relief.

Cause

Tropical Storm Eta caused damage to the insured property while the insurance policy was still active. The plaintiffs notified the insurer and initiated a claim. Despite clear storm-related damage, the insurer denied coverage on February 23, 2021. The plaintiffs believed the policy terms clearly covered such events. They claimed the insurer ignored visible damage and refused to acknowledge liability. The dispute arose from the insurer’s failure to honor its contractual obligations despite the insureds’ compliance with all policy requirements.

Injury

The plaintiffs had followed all post-loss procedures as required under the policy. They received no insurance proceeds. The denial left them with unrepaired property damage. They continued to experience hardship due to the insurer’s refusal to cover the loss. The breach of contract disrupted their ability to restore their home. They also had to retain legal counsel to protect their rights, adding to their burden.

Damages

The plaintiffs sought financial compensation exceeding $30,000. They requested a declaratory judgment confirming coverage for the loss. They also claimed interest, court costs, and attorney’s fees. The damages stemmed from the insurer’s breach of contract and the emotional