Homeowner Turned to Insurance After Storm Damage

Rebeka Perera lived in Miami-Dade County and owned a home on SW 179th Terrace. On November 8, 2020, Tropical Storm Eta hit the area. Perera believed the storm severely damaged her home. She held an active homeowner’s insurance policy with Heritage Property & Casualty Insurance Company at the time.

She filed a claim after the storm. She said she could not locate a certified copy of the policy but expected Heritage to produce it during the case.

Storm Claim Led to Coverage Dispute

Perera reported damage to drywall, flooring, cabinetry, appliances, and electrical systems. She said she followed all required policy steps, including protecting the home and documenting repairs.

Despite this, Heritage refused to pay the full amount she believed was owed. Perera argued the company failed to uphold its contract and neglected its responsibility to cover the storm-related loss.

Denied Coverage Created Financial Stress

Perera claimed the denial caused financial strain and left her home in need of repairs. She also hired attorneys to pursue the benefits she believed were rightfully hers.

The legal process became necessary, she said, after H