Jury Finds for Insurer in Property Dispute
Table of Contents
Case Background
Alexander Kaller brought this lawsuit against Universal Property & Casualty Insurance Company (UPCIC) on June 2, 2021, in the Eleventh Judicial Circuit in Miami-Dade County, Florida. The case centered on a dispute over UPCIC’s refusal to cover damage at Mr. Kaller’s condominium property, Unit #1126 at 373 Poinciana Island Drive in Sunny Isles Beach. Mr. Kaller claimed that on or about October 18, 2020, his property sustained damage from an accidental discharge of water originating from a plumbing system or household appliance. UPCIC had issued a homeowners' insurance policy covering the property from November 10, 2019, through November 10, 2020. The insurer denied the claim, compelling Mr. Kaller to seek a Court order a declaratory judgment that the policy covered his loss, which then led to the trial on the claim for damages.
Cause
The underlying cause of action was UPCIC’s Breach of Contract. Mr. Kaller maintained that the damage specifically, the accidental water discharge was a covered event under the terms of the insurance policy. He asserted that the insurer's refusal to pay the full, covered cost of repairs and its continued denial of the claim represented a failure to uphold their contractual obligations, thereby breaching the agreement and forcing him into litigation.
Injury
The primary injury Mr. Kaller sustained was the physical damage to his condominium unit, including damage to walls, ceilings, and floors on multiple levels, caused by the water discharge. This damage required costly remediation and rep
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