Case Background

This case took place in Miami-Dade Circuit Court and centered on a homeowner’s insurance dispute. Jean Julio Boursiquot, the Plaintiff, owned a residential property that he said suffered significant roof and interior water damage during Hurricane Ian in September 2022.

Boursiquot filed a claim with his insurer, Citizens Property Insurance Corporation, Florida’s state-backed insurer of last resort. According to him, the storm’s high winds caused openings in the roof, which allowed rainwater to pour inside and damage his home.

When Citizens denied the claim, Boursiquot turned to the courts, filing a lawsuit in 2024 for breach of contract. He argued that his policy clearly covered hurricane-related damage and that Citizens wrongfully refused to pay the benefits he was entitled to receive.

Cause

Boursiquot asserted that Hurricane Ian caused a direct physical loss to his property within the policy period. He claimed that wind ripped shingles from the roof and created openings through which rain entered, damaging ceilings, walls, and personal property.

His complaint described a sudden and forceful event tied directly to the storm. He stressed that the loss fell squarely under the policy’s coverage for wind and hurricane damage.

Injury

Unlike personal injury cases, this dispute focused on property damage. Boursiquot said the storm left him with a badly compromised roof, recurring leaks, and widespread interior damage. The water intrusion affected his living areas, forcing him to spend money on temporary repairs and leaving him unable to fully use portions of his home.

He described emotional stress, frustration, and financial strain as he dealt with repeated denials from the insurer while his home remained in need of major repairs.

Damages

Boursiquot sought damages equal to the full cost of