Third District Court of Appeal

State of Florida

Opinion filed December 9, 2020.

Not final until disposition of timely filed motion for rehearing.

________________

No. 3D18-1209

Lower Tribunal No. 16-10964

________________

Bessie Frederick,

Appellant,

vs.

Citizens Property Insurance Corporation,

Appellee.

An Appeal from the Circuit Court for Miami-Dade County, Spencer Eig,

Judge.

Giasi Law, P.A., and Melissa A. Giasi (Tampa), for appellant.

Paul R. Pearcy, P.A., and Maureen G. Pearcy, for appellee.

Before SCALES, LINDSEY and LOBREE, JJ.

PER CURIAM.

In this breach of insurance contract action, Bessie Frederick (the “insured”) 

appeals from the trial court’s entry of summary judgment in favor of Citizens 
2

Property Insurance Corporation (the “insurer”). After a de novo review, we find that 

disputed issues of material fact exist as to the cause of the loss, and reverse.

After a thunderstorm in November 2015, the insured’s home sustained 

damage from rainwater that came in through the roof. Following a denial of 

coverage, the insured filed the instant action seeking coverage for her claim. In 

moving for summary judgment, the insurer relied upon its engineer’s report and 

affidavit, which ultimately determined that the roof leaks were caused by wear and 

tear of the roof,

1 as well as deposition testimony of the insured’s general contractor. 

The insured opposed summary judgment relying on an affidavit, inspection report, 

and deposition of its general contractor, who ultimately concluded that the roof leaks 

1 The subject insurance policy provides: 

COVERAGE A – DWELLING and COVERAGE B –

OTHER STRUCTURES

We insure against risk of direct loss to property described 

in Coverages A and B only if that loss is a physical loss to 

property. 

. . . .

We do not insure, however, for loss:

. . . .

2. Caused by:

. . . .

h. Rain, . . . unless a covered peril first damages the 

building causing an opening in a roof or wall and the rain 

. . . enters through this opening.

i. Any of the following:

(1) Wear and tear, marring, deterioration;
3

resulted from micro fissures in the roof caused by strong wind gusts and wind-driven 

rain during the November 2015 thunderstorm. The trial court determined that the 

evidence relied upon by the insured was insufficient to withstand summary judgment 

as to whether a covered peril caused an opening in the building’s roof and entered 

final judgment in favor of the insurer.

After thorough examination of the record, we find that the insured met her 

burden of showing the existence of a triable issue as to the cause of her loss. See

Garcia v. First Cmty. Ins. Co., 241 So. 3d 254, 257-58 (Fla. 3d DCA 2018) (holding 

summary judgment inappropriate where findings of insurer’s expert–that roof leak 

was caused by combination of age-related deterioration, tree branch abrasions, and 

construction defect–and conclusions of insured’s expert–that roof leak was caused 

by wind event–were “clearly at odds”); see also Ortega v. v. Citizens Prop. Ins. 

Corp., 257 So. 3d 1171, 1173 (Fla. 3d DCA 2108) (finding homeowner’s 

counterevidence sufficient to create disputed issues of material fact as to whether 

covered peril caused opening in roof of her home, allowing rainwater to enter and 

damage home’s interior).

Accordingly, we reverse and remand for further proceedings in conformity 

with this opinion.