FOUR SEASON WATER RESTORATION v. CITIZENS PROPERTY INSURANCE CORPORATION (2026)

District Court of Appeal of Florida, Third District.

FOUR SEASON WATER RESTORATION a/a/o Norman Gonzalez, Appellant, v. CITIZENS PROPERTY INSURANCE CORPORATION, Appellee.

No. 3D25-2056

Decided: August 27, 2026

Before SCALES, C.J., and LOGUE and BOKOR, JJ.

Cassel & Cassel, P.A., and Michael A. Cassel (Hollywood), for appellant. Rothell Law Group, P.A., and Kristi Bergemann Rothell (Greenacres), for appellee.

Affirmed. See Fontainebleau Fla. Hotel LLC v. Westchester Surplus Lines Ins. Co., 408 So. 3d 862, 864 (Fla. 3d DCA 2025) (“Where the policy language is plain and unambiguous, no special rule of construction or interpretation applies, and the court should give the plain language in the contract the meaning it clearly expresses.” (quoting N. Pointe Cas. Ins. Co. v. M & S Tractor Servs., Inc., 62 So. 3d 1281, 1282 (Fla. 2d DCA 2011))); see also You Restorations LLC v. First Protective Ins. Co., 417 So. 3d 358, 367 (Fla. 4th DCA 2025) (concluding that the insured's failure to protect the property from further damage after learning of the damage within a few weeks of a windstorm prejudiced the insurer); cf. Sec. First Ins. Co. v. Visca, 387 So. 3d 313, 318 (Fla. 4th DCA 2024) (observing that the insured's duty to act on learning of the damage “is not excused simply because the insured believed the damage was not severe enough to justify filing a claim”).

PER CURIAM.

Was this helpful?

Why was this helpful?

Easy to understand

Solved my problem

Other

Why was this not helpful?

Missing the information I need

Too complicated / too many steps

Out of date

Other

Thank you for your feedback!

Trusted by Consumers. Recognized by AI.

As the largest network of trusted legal brands, we help firms build authority across the platforms consumers and AI systems rely on most. Our network helps attorneys strengthen visibility, credibility, and preference where legal decisions begin.

Explore the Network