Case Background

Judy Dorcelus and Myrtha Ambroise-Dorcelus lived in North Miami, Florida. They held an active property insurance policy with the defendant, an insurance corporation authorized to issue property insurance in Florida. Their insured property was located at 120 NE 131st Street, North Miami. The defendant issued the policy in exchange for premiums paid by the plaintiffs.

Cause

On October 25, 2019, water suddenly discharged from a plumbing system in the insured home. The incident caused immediate physical damage. At the time, the insurance policy was in full effect. The plaintiffs reported the loss, and the insurer opened a claim. The insurer acknowledged the damage and accepted coverage. However, it unilaterally calculated the payout. The Plaintiffs disagreed with that amount and notified the insurer. Despite the dispute, the insurer failed or refused to pay the full value of the loss.

Injury

The property suffered water damage. While there was no bodily injury, the Plaintiffs claimed financia