Security First Insurance Company d/b/a Security First Florida, Appellant, v. Artie M. Echavarria and Argiro Echavarria, Appellees. (2025)

District Court of Appeal of Florida, Fifth District.

Security First Insurance Company d/b/a Security First Florida, Appellant, v. Artie M. Echavarria and Argiro Echavarria, Appellees.

Case No. 5D2024-1476

Decided: September 12, 2025

Mark D. Tinker and Brandon J. Tyler, of Cole, Scott & Kissane, P.A., Tampa, for Appellant. Mark A. Nation, of The Nation Law Firm, LLP, Longwood, for Appellees.

In this breach of an insurance contract action, Security First Insurance Company appeals the final judgment entered against it and in favor of the appellees, Artie Echavarria and Argiro Echavarria, after a jury trial that awarded the Echavarrias damages for what was referred to at trial as “tear out” costs. We reverse the final judgment and remand with directions for the trial court to enter final judgment in favor of Appellant. See People's Tr. Ins. v. Diaz, 411 So. 3d 444 (Fla. 5th DCA 2023); People's Tr. Ins. v. Banks, 388 So. 3d 862 (Fla. 3d DCA 2023); People's Tr. Ins. v. Gunsser, 373 So. 3d 422 (Fla. 6th DCA 2023).

Reversed and Remanded, with directions.

Per Curiam.

Makar, Lambert, and Harris, JJ., concur.

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