Case Overview

Ileana Fernandez Adel and Khaled Adel owned a home at 16533 NW 77th Path in Hialeah, Florida. They insured the property through Tower Hill Prime Insurance Company. The policy was classified as “all-risk,” meant to cover any loss not clearly excluded. It specifically listed blasting vibrations as a covered cause of damage.

Damage and Dispute

Blasting activity occurred near the Plaintiffs’ property during the policy period. They reported damage to their home shortly afterward. Tower Hill inspected the property and noted visible damage. Despite this, the insurer denied coverage. It cited long-term wear, poor construction, and lack of maintenance as the real cause. Tower Hill stated these factors were excluded under the policy.

Impact on the Plaintiffs

The home showed signs of structural distress, including visible cracks. The damage affected the safety and livability of the residence. The Plaintiffs were left to manage mounting repair costs without insurance support.

Financial and Legal Demands

The Plaintiffs demanded full compensation for repair expenses. They claimed the insurer wrongfully denied coverage for a risk explicitly included in the policy. They asked for damages, attorney’s fees, interest, and other legal costs.

Legal Action Taken

The Plaintiffs filed a lawsuit for breach of contract. They alleged the denial violated the insurance agreement. They requested a jury trial and reserved the right to amend their com