Homeowner’s Coverage: Setting the Scene

Sophie Louise Monique Baillet resided in North Miami, Florida, and held a homeowners insurance policy issued by Homeowners Choice Property & Casualty Insurance Company, Inc. The policy covered her residence at 2250 Arch Creek Drive. It provided protection for the dwelling, other structures, personal property, and loss of use. The policy was in full force at the time of the incident, and the insurance company operated lawfully within Florida, maintaining agents in Miami-Dade County.

The Dispute: What Triggered the Lawsuit

On August 28, 2018, strong winds reportedly caused a roof leak in Baillet’s home. She promptly notified her insurance provider and filed a claim under her active policy. According to the complaint, she fulfilled all conditions required for coverage. However, she alleged the insurance company either failed to pay or significantly underpaid the claim. This disagreement over the handling and valuation of the damage triggered the legal action.

The Impact: Property Damage and Legal Action

The storm caused water intrusion that damaged Baillet’s property. She claimed this event led to significant loss and damage within the home. Because she allegedly received insufficient compensation or none at all, she sought legal representation to pursue recovery. The dispute forced her to take legal action to obtain full payment under the policy and address on