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Jury Sides with Insurer in Florida Storm Damage Lawsuit

Jury Sides with Insurer in Florida Storm Damage Lawsuit

A
Angad Chatha
July 7, 2025

Table of Contents

Setting the Scene

On November 9, 2020, Tropical Storm Eta hit South Florida. Richard and Annette Cortes owned a home in Pinecrest that sustained both interior and exterior damage. They were covered under a homeowners insurance policy issued by Citizens Property Insurance Corporation. After the storm, they promptly reported the damage. Citizens assigned a claim number and sent a field adjuster to inspect the property.

Where Things Broke Down

The Corteses stated that Citizens did not fully investigate the loss. While a field adjuster inspected the home, no expert was assigned to assess the scope or cause of the damage. Citizens later declined coverage. The plaintiffs argued this denial violated the terms of their insurance policy.

The Fallout

As a result of the denial, the Corteses faced significant financial strain. They claimed the lack of insurance proceeds prevented them from repairing their home. The situation forced them to hire legal representation, adding further emotional and financial stress.

What They’re Seeking

The plaintiffs aske

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Tags

Breach Of Contract
Property Damage
Tropical Storm Eta
Insurance Denial

About the Author

AC
Angad Chatha
Writer
Angad Chatha is a law graduate from Amritsar, Punjab, with over two years of experience in legal research and analysis. He has developed a strong niche in working with expert witnesses, providing critical support in preparing legal research and case studies. Known for his analytical mindset and attention to detail, Angad consistently delivers thorough and well-grounded insights that enhance case summaries. His commitment to accuracy and a deep understanding of legal frameworks make him a valuable asset in complex legal sector.