Case Background

On May 25, 2023, Plaintiff Ramon Uriel Moreno filed a breach of contract lawsuit in the Florida State, Miami-Dade County, Eleventh Circuit Court (Case number: 2:22cv422) due to windstorm damage. This case was assigned to Judge Joseph D. Perkins.

Cause

Ramon Uriel Moreno purchased a residential property insurance policy from Citizens Property Insurance Corporation to protect his home at 13600 SW 181 St., Miami, FL 33177. He consistently paid his premiums, ensuring that the policy remained active. On August 3, 2021, a severe windstorm struck his property, causing extensive structural damage. The strong winds compromised the home’s integrity, affecting the roof, exterior walls, and other essential components. Moreno recognized the severity of the damage and promptly reported the loss to Citizens Property Insurance Corporation. He filed an insurance claim and submitted all necessary documentation, including an estimate detailing the actual cash value of the damages. His insurance policy explicitly covered windstorm damage. Despite meeting all policy requirements and filing his claim on time, Citizens Property Insurance Corporation denied coverage. The insurer refused to pay for the damages