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UNITED STATES DISTRICT COURT

SOUTHERN DISTRICT OF FLORIDA

CASE NO.

HOWARD MICHAEL CAPLAN,

Plaintiff,

vs.

JSE INSURANCE INC., a Florida Profit 

Corporation and CCS REAL ESTATE 

INVESTMENTS, L.L.C., a Florida Limited 

Liability Company,

Defendants.

_______________________________/

COMPLAINT

Plaintiff, HOWARD MICHAEL CAPLAN (hereinafter “Plaintiff”), through the undersigned 

counsel, hereby files this complaint and sues JSE INSURANCE INC. (“JSE”) and CCS REAL 

ESTATE INVESTMENTS, L.L.C. (“CCS”) (hereinafter, collectively referred to as “Defendants”) 

for declaratory and injunctive relief; for discrimination based on disability; and for the resultant 

attorney's fees, expenses, and costs (including, but not limited to, court costs and expert fees), 

pursuant to 42 U.S.C. §12181 et. seq., ("AMERICANS WITH DISABILITIES ACT OF 1990," or 

"ADA") and alleges:

JURISDICTION 

1. This Court is vested with original jurisdiction over this action pursuant to 28 U.S.C. §1331 

and §1343 for Plaintiff’s claims arising under Title 42 U.S.C. §12181 et. seq., based on 

Defendants’ violations of Title III of the Americans with Disabilities Act of 1990, (hereinafter 

referred to as the "ADA"). See also 28 U.S.C. §2201 and §2202.

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VENUE

2. The venue of all events giving rise to this lawsuit is located in Broward County, Florida. 

Pursuant to 28 U.S.C. §1391(B) and rule 3.1 of Local Rules of the United States District Court for 

the Southern District of Florida, this is the designated court for this suit.

PARTIES

3. Plaintiff, HOWARD MICHAEL CAPLAN, is a resident of the State of Florida. At the time 

of Plaintiff’s visit to JSE Insurance Agency (“Subject Facility”), Plaintiff suffered from a 

“qualified disability” under the ADA, which substantially limits Plaintiff’s major life activities, 

including but not limited to walking, and requires the use of a mobility aid. Plaintiff personally 

visited JSE Insurance Agency, but was denied full and equal access, and full and equal enjoyment 

of the facilities, services, goods, and amenities within JSE Insurance Agency, which is the subject 

of this lawsuit. The Subject Facility is an insurance agency, and Plaintiff wanted to inquire about 

their insurance rates but was unable to due to the discriminatory barriers enumerated in Paragraph 

15 of this Complaint.

4. In the alternative, Plaintiff, HOWARD MICHAEL CAPLAN, is an advocate of the rights 

of similarly situated disabled persons and is a “tester” for the purpose of asserting his civil rights 

and monitoring, ensuring and determining whether places of public accommodation are in 

compliance with the ADA. 

5. Defendants, JSE and CCS, are authorized to conduct business and are in fact conducting 

business within the State of Florida. The Subject Facility is located at 2925 W. Sunrise Blvd, Fort 

Lauderdale, FL 33311. Upon information and belief, JSE is the lessee and/or operator of the Real 

Property and therefore held accountable of the violations of the ADA in the Subject Facility which 

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is the matter of this suit. Upon information and belief, CCS is the owner and lessor of the Real 

Property where the Subject Facility is located and therefore held accountable for the violations of 

the ADA in the Subject Facility which is the matter of this suit.

CLAIMS: VIOLATIONS OF THE AMERICANS WITH DISABILITIES ACT

6. Plaintiff adopts and re-alleges the allegations stated in paragraphs 1 through 5 of this 

complaint, as are further explained herein.

7. On July 26, 1990, Congress enacted the Americans with Disabilities Act ("ADA"), 42 

U.S.C. §12101 et. seq. Commercial enterprises were provided one and a half years from enactment 

of the statute to implement its requirements. The effective date of Title III of the ADA was January 

26, 1992, or January 26, 1993 if Defendants had ten (10) or fewer employees and gross receipts of 

$500,000 or less. See 42 U.S.C. §12181; 28 C.F.R. §36.508(a).

8. As stated in 42 U.S.C. §12101(a) (1)-(3), (5) and (9), Congress found, among other things, 

that:

i. some 43,000,000 Americans have one or more physical or mental disability, and this 

number shall increase as the population continues to grow and age;

ii. historically, society has tended to isolate and segregate individuals with disabilities and, 

despite some improvements, such forms of discrimination against disabled individuals 

continue to be a pervasive social problem, requiring serious attention;

iii. discrimination against disabled individuals persists in such critical areas as 

employment, housing, public accommodations, transportation, communication, 

recreation, institutionalization, health services, voting and access to public services and 

public facilities;

iv. individuals with disabilities continually suffer forms of discrimination, including: 

outright intentional exclusion; the discriminatory effects of architectural, transportation, 

and communication barriers; failure to make modifications to existing facilities and 

practices; exclusionary qualification standards and criteria; segregation, and regulation 

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to lesser services, programs, benefits, or other opportunities; and,

v. the continuing existence of unfair and unnecessary discrimination and prejudice denies 

people with disabilities the opportunity to compete on an equal basis and to pursue those 

opportunities for which this country is justifiably famous and costs the United States 

billions of dollars in unnecessary expenses resulting from dependency and nonproductivity.

9. As stated in 42 U.S.C. §12101(b)(1)(2) and (4), Congress explicitly stated that the purpose 

of the ADA was to:

i. provide a clear and comprehensive national mandate for the elimination of 

discrimination against individuals with disabilities;

ii. provide clear, strong, consistent, enforceable standards addressing discrimination 

against individuals with disabilities; and,

iii. invoke the sweep of congressional authority, including the power to enforce the 

fourteenth amendment and to regulate commerce, in order to address the major areas of 

discrimination faced on a daily basis by people with disabilities.

10. Pursuant to 42 U.S.C. §12181(7), and 28 CFR §36.104, Title III, no individual may be 

discriminated against on the basis of disability with regards to the full and equal enjoyment of the 

goods, services, facilities, or accommodations of any place of public accommodation by any 

person who owns, leases (or leases to), or operates a place of public accommodation. JSE Insurance 

Agency is a place of public accommodation by the fact it is an establishment that provides 

goods/services to the general public, and therefore, must comply with the ADA. The Subject 

Facility is open to the public, its operations affect commerce, and it is an insurance agency. See 42 

U.S.C. Sec. 12181 (7) and 28 C.F.R. 36.104. Therefore, the Subject Facility is a public 

accommodation that must comply with the ADA.

11. The Defendants have discriminated, and continue to discriminate against Plaintiff, and 

others who are similarly situated, by denying access to, and full and equal enjoyment of goods, 

services, facilities, privileges, advantages and/or accommodations at JSE Insurance Agency

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located at 2925 W. Sunrise Blvd, Fort Lauderdale, FL 33311, as prohibited by 42 U.S.C. §12182, 

and 42 U.S.C. §12101 et. seq.; by failing to make reasonable modifications in policies, practices, 

or procedures pursuant to 42 U.S.C. §12182(b)(2)(A)(ii); and by failing to remove architectural 

barriers pursuant to 42 U.S.C. §12182(b)(2)(A)(iv).

12. Plaintiff has visited the Subject Facility, and has been denied full, safe, and equal access to 

the facility and therefore suffered an injury in fact.

13. Plaintiff shall suffer a future injury as Plaintiff intends to return and enjoy the goods and/or 

services at the Subject Facility within the next six months. The Subject Facility is in close 

proximity to Plaintiff’s residence and is in an area frequently travelled by Plaintiff. Furthermore, 

Plaintiff will also return to monitor compliance with the ADA. However, Plaintiff is precluded 

from doing so by the Defendants' failure and refusal to provide people with disabilities with full 

and equal access to their facility. Therefore, Plaintiff continues to suffer from discrimination and 

injury due to the architectural barriers, which are in violation of the ADA.

14. Pursuant to the mandates of 42 U.S.C. §12134(a), on July 26, 1991, the Department of 

Justice, Office of the Attorney General, promulgated Federal Regulations to implement the 

requirements of the ADA. The ADA Accessibility guidelines (hereinafter referred to as 

“ADAAG”), 28 C.F.R. Part 36, may cause violators to obtain civil penalties of up to $55,000 for 

the first violation and $110,000 for any subsequent violation. 

15. The Defendants are in violation of 42 U.S.C. §12181 et. seq., and 28 C.F.R. 36.302 et. seq., 

and are discriminating against Plaintiff with the following specific violations which Plaintiff 

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personally encountered and/or has knowledge of:

a) The customer parking facility for the business does not provide a compliant accessible 

parking space. 2012 ADA Standards 502.1 

b) The parking facility has fourteen (14) marked standard spaces and one (1) non-compliant 

accessible parking space. 2012 ADA Standards 208.2 

c) The parking facility does not have the minimum number of compliant accessible parking 

spaces required. One (1) compliant accessible parking space with adjacent access aisle is 

required. 2012 ADA Standards 208.2 

d) The parking facility does not provide directional and informational signage to a compliant 

accessible parking space. 2012 ADA Standards 216.5 

e) The non-compliant accessible parking space does not have an access aisle. Each designated 

accessible parking space must have an adjacent access aisle. Parking access aisles must be 

part of an accessible route to the building or facility entrance. Access aisles must be placed 

adjacent to accessible parking spaces. All spaces must be located on an accessible route 

that is at least 44 inches wide so that users are not compelled to walk or wheel behind 

parked vehicles except behind his or her own vehicle. 2012 ADA Standards 502.2, 502.3 

f) Existing facility does not provide a compliant accessible route to the entrance from any site 

arrival point. 2012 ADA Standards 206.2, 208, 401.1 

g) There is no compliant access aisle attached to an accessible route serving any existing 

parking space which would allow safe entrance or exit of vehicle for accessible persons 

requiring mobility devices. 2012 ADA Standards 502.2 

h) There is currently no existing accessible route to help persons with disabilities enter the 

facility or safely maneuver through the parking area. At least one accessible route must be 

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provided within the site from accessible parking spaces and accessible passenger loading 

zones; public streets and sidewalks; and public transportation stops to the accessible 

building or facility entrance they serve. 2012 ADA Standards 206.2.1 

i) The east customer entrance from the parking lot is non-compliant. At the end of the 

building sidewalk is a ramp sloping north to a landing which leads directly into a standard 

parking space. If a vehicle is parked in the space there is no accessible path for a person to 

take from the existing non-compliant accessible parking space. 

j) The customer entrance door has non-compliant panel-type door hardware. Operable parts 

must be operable with one hand and not require tight grasping, pinching, or twisting of the 

wrist. 2012 ADA Standards 309.4 

k) The facility does not provide compliant directional and informational signage to an 

accessible route which would lead to an accessible entrance. Where not all entrances 

comply, compliant entrances must be identified by the International Symbol of 

Accessibility. Directional signs that indicate the location of the nearest compliant entrance 

must be provided at entrances that do not comply. 2012 ADA Standards 216.6

16. Upon information and belief there are other current violations of the ADA at JSE Insurance 

Agency. Only upon full inspection can all violations be identified. Accordingly, a complete list of 

violations will require an on-site inspection by Plaintiff’s representatives pursuant to Rule 34b of 

the Federal Rules of Civil Procedure.

17. Upon information and belief, Plaintiff alleges that removal of the discriminatory barriers 

and violations is readily achievable and technically feasible. To date, the readily achievable 

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barriers and other violations of the ADA still exist and have not been remedied or altered in such 

a way as to effectuate compliance with the provisions of the ADA.

18. Pursuant to the ADA, 42 U.S.C. §12101 et. seq., and 28 C.F.R. §36.304, the Defendants 

were required to make the establishment a place of public accommodation, accessible to persons 

with disabilities by January 28, 1992. As of this date the Defendants have failed to comply with 

this mandate.

19. Plaintiff has been obligated to retain the undersigned counsel for the filing and prosecution 

of this action. Plaintiff is entitled to have its reasonable attorney's fees, costs and expenses paid by 

the Defendants, pursuant to 42 U.S.C. §12205.

20. Pursuant to 42 U.S.C. §12188, this Court is vested with the authority to grant Plaintiff 

injunctive relief, including an Order to alter the subject facilities to make them readily accessible 

and useable by individuals with disabilities to the extent required by the ADA, closing the Subject 

Facility until the requisite modifications are completed, entering an Order directed at maintenance 

and future compliance, and entering an Order for Defendants to make reasonable modifications in 

policies, practices, or procedures.

COUNT I- DECLARATORY RELIEF

21. The Defendants’ Facility has architectural barriers which Plaintiff personally encountered 

and/or has knowledge of.

22. Defendants have failed to make reasonable modifications in policies, practices, or procedures 

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to ensure full and equal enjoyment of goods, services, facilities, privileges, advantages and/or 

accommodations at the Defendants’ Facility to Plaintiff, and similarly situated individuals with 

disabilities.

23. Defendants have discriminated, and continue to discriminate against Plaintiff, and others 

who are similarly situated, by denying access to, and full and equal enjoyment of goods, services, 

facilities, privileges, advantages and/or accommodations at the Subject Facility, as prohibited by 

42 U.S.C. §12182, and 42 U.S.C. §12101 et. seq.; by failing to make reasonable modifications in 

policies, practices, or procedures pursuant to 42 U.S.C. §12182(b)(2)(A)(ii); and by failing to 

remove architectural barriers pursuant to 42 U.S.C. §12182(b)(2)(A)(iv).

24. Unless declared that the Subject Facility owned, operated and/or controlled by the 

Defendants is in violation of the ADA, Defendants shall continue to discriminate against Plaintiff, 

and others who are similarly situated, by denying access to, and full and equal enjoyment of goods, 

services, facilities, privileges, advantages and/or accommodations at the Subject Facility.

25. Plaintiff has been obligated to retain the undersigned counsel for the filing and prosecution 

of this action. Plaintiff is entitled to have its reasonable attorney's fees, costs and expenses paid by 

the Defendants, pursuant to 42 U.S.C. §12205.

WHEREFORE, Plaintiff demands judgment against the Defendants and requests that this 

Honorable Court declare that the Subject Facility owned, operated and/or controlled by the 

Defendants is in violation of Title III of the ADA, and award reasonable attorney's fees, all costs 

(including, but not limited to court costs and expert fees) and other expenses of suit, to Plaintiff.

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COUNT II- INJUNCTIVE RELIEF TO REMOVE ARCHITECTURAL BARRIERS

26. The Defendants’ Facility has architectural barriers which Plaintiff personally encountered 

and/or has knowledge of.

27. Upon information and belief, Plaintiff alleges that removal of the discriminatory barriers

and violations is readily achievable and technically feasible. To date, the readily achievable 

barriers and other violations of the ADA still exist and have not been remedied or altered in such 

a way as to effectuate compliance with the provisions of the ADA. 

28. Unless enjoined by the Court, Defendants shall continue to discriminate against Plaintiff, 

and others who are similarly situated, by denying access to, and full and equal enjoyment of goods, 

services, facilities, privileges, advantages and/or accommodations at the Subject Facility by failing 

to remove architectural barriers pursuant to 42 U.S.C. §12182(b)(2)(A)(iv).

29. Pursuant to 42 U.S.C. §12188, this Court is vested with the authority to grant Plaintiff 

injunctive relief, including an Order to alter the subject facilities to make them readily accessible 

and useable by individuals with disabilities to the extent required by the ADA and closing the 

Subject Facility until the requisite modifications are completed.

30. Plaintiff has been obligated to retain the undersigned counsel for the filing and prosecution 

of this action. Plaintiff is entitled to have its reasonable attorney's fees, costs and expenses paid by 

the Defendants, pursuant to 42 U.S.C. §12205.

WHEREFORE, Plaintiff demands judgment against the Defendants and requests that this 

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Honorable Court enter an Order requiring Defendants to alter the Subject Facility and remove 

architectural barriers to make the Subject Facility accessible to and usable by individuals with 

disabilities to the full extent required by Title III of the ADA, and award reasonable attorney's fees, 

all costs (including, but not limited to court costs and expert fees) and other expenses of suit, to 

Plaintiff.

COUNT III- INJUNCTIVE RELIEF TO MODIFY POLICIES, PRACTICES AND 

PROCEDURES

31. The Defendants’ Facility has architectural barriers which Plaintiff personally encountered 

and/or has knowledge of.

32. Defendants have failed to make reasonable modifications in policies, practices, or 

procedures to ensure full and equal enjoyment of goods, services, facilities, privileges, advantages 

and/or accommodations at the Defendants’ Facility to Plaintiff, and similarly situated individuals 

with disabilities.

33. Unless enjoined by the Court, Defendants shall continue to discriminate against Plaintiff, 

and others who are similarly situated, by denying access to, and full and equal enjoyment of goods, 

services, facilities, privileges, advantages and/or accommodations at the Subject Facility by failing 

to make reasonable modifications in policies, practices, or procedures pursuant to 42 U.S.C. 

§12182(b)(2)(A)(ii).

34. Pursuant to 42 U.S.C. §12188, this Court is vested with the authority to grant Plaintiff 

injunctive relief, including an Order for Defendants to make reasonable modifications in policies, 

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practices, or procedures.

35. Plaintiff has been obligated to retain the undersigned counsel for the filing and prosecution 

of this action. Plaintiff is entitled to have its reasonable attorney's fees, costs and expenses paid by 

the Defendants, pursuant to 42 U.S.C. §12205.

WHEREFORE, Plaintiff demands judgment against the Defendants and requests that this 

Honorable Court enter an Order requiring Defendants to evaluate, neutralize and modify their 

policies, practices and procedures as are necessary to make the Subject Facility accessible to and 

usable by individuals with disabilities to the full extent required by Title III of the ADA, and award 

reasonable attorney's fees, all costs (including, but not limited to court costs and expert fees) and 

other expenses of suit, to Plaintiff.

COUNT IV- INJUNCTIVE RELIEF TO MAINTAIN COMPLIANCE

36. The Defendants’ Facility has architectural barriers which Plaintiff personally encountered 

and/or has knowledge of.

37. Upon information and belief, Plaintiff alleges that removal of the discriminatory barriers 

and violations is readily achievable and technically feasible. To date, the readily achievable 

barriers and other violations of the ADA still exist and have not been remedied or altered in such 

a way as to effectuate compliance with the provisions of the ADA.

38. Unless enjoined by the Court, Defendants shall continue to discriminate against Plaintiff, 

and others who are similarly situated, by denying access to, and full and equal enjoyment of goods, 

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services, facilities, privileges, advantages and/or accommodations at the Subject Facility by failing 

to maintain compliance with the ADA by allowing physical alterations to revert back into 

noncompliance, and by failing to enforce any modifications in policies, practices, or procedures.

39. Pursuant to 42 U.S.C. §12188, this Court is vested with the authority to grant Plaintiff 

injunctive relief, including an Order directed at maintenance and future compliance, and entering 

an Order for Defendants to maintain reasonable modifications in policies, practices, or procedures.

40. Plaintiff has been obligated to retain the undersigned counsel for the filing and prosecution 

of this action. Plaintiff is entitled to have its reasonable attorney's fees, costs and expenses paid by 

the Defendants, pursuant to 42 U.S.C. §12205.

WHEREFORE, Plaintiff demands judgment against the Defendants and requests that this 

Honorable Court enter an Order requiring Defendants to maintain the alterations and modifications 

required to keep the Subject Facility accessible to and usable by individuals with disabilities and 

in compliance with Title III of the ADA, and award reasonable attorney's fees, all costs (including, 

but not limited to court costs and expert fees) and other expenses of suit, to Plaintiff.

Dated this December 6, 2022.

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Respectfully submitted by:

Ronald E. Stern

Ronald E. Stern, Esq.

Florida Bar No. 10089

THE ADVOCACY LAW FIRM, P.A.

1835 E Hallandale Beach Blvd., Suite 757

Hallandale Beach, Florida 33009

Telephone: (954) 639-7016

Facsimile: (954) 639-7198

E-Mail: ronsternlaw@gmail.com

Attorney for Plaintiff, HOWARD MICHAEL CAPLAN

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UNITED STATES DISTRICT COURT

SOUTHERN DISTRICT OF FLORIDA

CASE NO.

HOWARD MICHAEL CAPLAN,

Plaintiff,

vs.

JSE INSURANCE INC., a Florida Profit 

Corporation and CCS REAL ESTATE 

INVESTMENTS, L.L.C., a Florida Limited 

Liability Company,

Defendants.

_______________________________/

CERTIFICATE OF SERVICE

I HEREBY CERTIFY that on December 6, 2022, I electronically filed the Complaint along 

with a Summons for each Defendant with the Clerk of Court using CM/ECF. I also certify that the 

aforementioned documents are being served on all counsel of record, corporations, or pro se parties 

identified on the attached Service List in the manner specified via Service of Process by an 

authorized Process Server, and that all future pleadings, motions and documents will be served 

either via transmission of Notices of Electronic Filing generated by CM/ECF or via U.S. Mail for 

those counsel or parties who are not authorized to receive electronically Notices of Electronic 

Filing.

Ronald E. Stern

Ronald E. Stern, Esq.

Florida Bar No. 10089

THE ADVOCACY LAW FIRM, P.A.

1835 E Hallandale Beach Blvd.

Suite 757

Hallandale Beach, Florida 33009

Telephone: (954) 639-7016

Facsimile: (954) 639-7198

E-Mail: ronsternlaw@gmail.com

Attorney for Plaintiff, HOWARD MICHAEL CAPLAN

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SERVICE LIST:

HOWARD MICHAEL CAPLAN vs. JSE INSURANCE INC., a Florida Profit Corporation and 

CCS REAL ESTATE INVESTMENTS, L.L.C., a Florida Limited Liability Company

United States District Court Southern District of Florida

CASE NO.

JSE INSURANCE INC.

REGISTERED AGENT:

Noel, Shedlyne

232 W Prospect Road

Oakland Park, FL 33309

VIA PROCESS SERVER 

CCS REAL ESTATE INVESTMENTS, L.L.C.

REGISTERED AGENT:

Tobin & Reyes, P.A.

225 N.E. Mizner Boulevard

Suite 510

Boca Raton, FL 33432

VIA PROCESS SERVER

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