Case Background

Henry and Rosa Pena owned a home in Miami Gardens, Florida. Their property was insured by Universal Property & Casualty Insurance Company (UPCIC). The policy covered wind and water damage. It remained active and fully paid during all relevant times.

Events Leading to the Legal Dispute

On February 9, 2020, Tropical Storm Eta struck the area. Strong winds and rain battered the Penas’ home. They reported the damage to UPCIC and cooperated with the investigation. The insurer acknowledged some damage but denied full roof coverage. It offered only a partial payment for interior repairs. This denial led to a legal dispute.

Plaintiffs’ Injuries and Their Impact

The storm severely damaged the roof. Rain entered the home and ruined parts of the interior. The property’s structural integrity suffered. The Penas experienced stress and disruption to daily living.

Claimed Damages

The Plaintiffs sought compensation for roof repairs, interior restoration, and associated costs. They claimed the insurer failed to pay for covered losses. They requested attorney’s fees, court costs, and legal interest. The Plaintiffs also cited breach of policy obligations.

Key Argu