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Policy holder alleges insurer failed to pay for water damage

By Jenie Mallari-Torres | Jan 4, 2018

Insurance 11

CLEARWATER — A Clearwater Beach property owner is suing an insurance carrier, alleging breach of contract.

Jon Harden filed a complaint Dec. 19 in Pinellas Circuit Court against Universal Property & Casualty Insurance Company,  alleging the defendant failed to cover water damages. 

According to the complaint, on July 19, 2017, his property at 1480 Gulf Boulevard, Unit 905, Clearwater Beach, suffered substantial water damage due to a broken water pipe in his neighbor’s unit above his property. The suit says his unit sustained additional water damage by a second water pipe leakage incident Oct. 17, 2017. However, Harden says, Universal Property has refused to provide coverage for both losses. 

The plaintiff alleges Universal Property & Casualty Insurance breached the terms of the policy by failing to pay the full benefits due and owing, and obligated Harden to retain and pay for legal counsel.

Harden seeks trial by jury, damages in excess of $15,000, attorney fees, court costs, and prejudgment interest. He is represented by attorneys James S. Jenkins III and Kelly-Ann Jenkins of Jenkins Law PL in St. Petersburg.

Pinellas Circuit Court case number 17-CA-7436

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6th Judicial Circuit of Florida - Pinellas County