CLEARWATER — A Dunedin husband and wife are suing an insurance company, alleging breach of contract.

Todd and Selina Lance filed a complaint Dec. 21 in Pinellas Circuit Court against Florida Peninsula Insurance Company, alleging the insurer failed to cover damages caused by Hurricane Irma. 

According to the complaint, on Sept. 11, 2017, the Lances' insured dwelling at 820 Weathersfield Drive, Dunedin, suffered direct and physical damages caused by Hurricane Irma. The suit says the storm caused openings in the roof that subsequently resulted in the sudden infusion of water into the interior of the property. 

However, the lawsuit states, Florida Peninsula eventually denied coverage for the loss, despite the damage caused by a covered peril under the insurance policy. 

The plaintiffs allege Florida Peninsula Insurance breached the policy by its unreasonable delay in properly evaluating the full damages, and by refusing to make full and proper payment of the insurance proceeds.

The Lances seek trial by jury, damages of at least $15,000, plus court costs, prejudgment interest, and attorney’s fees. They are represented by attorney David Low of David Low & Associates PA in Fort Lauderdale.

Pinellas Circuit Court case number 17-CA-7516

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