{"id":4687,"date":"2024-09-10T13:19:42","date_gmt":"2024-09-10T13:19:42","guid":{"rendered":"https:\/\/warnerfitzmartin.com\/?p=4687"},"modified":"2025-07-09T21:09:26","modified_gmt":"2025-07-09T21:09:26","slug":"propietarios-de-viviendas-en-los-condados-de-palm-beach-broward-y-martin-estan-preparados-para-pagar-de-su-bolsillo-las-reparaciones-si-su-compania-de-seguros-paga-de-menos-o-niega-su-reclamo","status":"publish","type":"post","link":"https:\/\/warnerfitzmartin.com\/es\/homeowners-in-palm-beach-broward-and-martin-county-are-you-prepared-to-pay-out-of-pocket-for-repairs-if-your-insurance-company-underpays-or-denies-your-claim\/","title":{"rendered":"Propietarios de casas en Palm Beach, Broward y Martin County: \u00bfEst\u00e1n preparados para pagar de su bolsillo las reparaciones si su compa\u00f1\u00eda de seguros paga de menos o rechaza su reclamo?"},"content":{"rendered":"

\u00bfEst\u00e1 preparado para pagar de su bolsillo las reparaciones si su compa\u00f1\u00eda de seguros paga de menos o rechaza su reclamo?<\/b><\/h2>\n

Universal Property & Casualty Insurance Company contra Qureshi<\/b>, No. 4D2023-1338 (Fla. 4<\/span>ta<\/span> DCA, 24 de julio de 2024) \u2013 Para leer la opini\u00f3n, haga clic aqu\u00ed: <\/span>https:\/\/4dca.flcourts.gov\/content\/download\/2438086\/opinion\/Opinion_2023-1338.pdf<\/a>\u00a0<\/strong><\/p>\n

Esta opini\u00f3n del Cuarto Tribunal de Apelaciones del Distrito sienta un nuevo precedente legal que podr\u00eda afectar significativamente sus derechos si necesita presentar un reclamo de seguro.\u00a0<\/span><\/p>\n

Si eres propietario de una casa en Florida, es probable que hayas estado pagando miles de d\u00f3lares en primas cada a\u00f1o con el entendimiento de que tu compa\u00f1\u00eda de seguros te compensar\u00eda por los da\u00f1os y las reparaciones necesarias despu\u00e9s de cualquier reclamo cubierto. Pero, \u00bfqu\u00e9 pasa si tu compa\u00f1\u00eda de seguros no paga lo que necesitas para arreglar tu casa? \u00bfQu\u00e9 pasa si no est\u00e1s de acuerdo con la decisi\u00f3n de tu compa\u00f1\u00eda de seguros de propiedad? \u00bfPara qu\u00e9 y por qu\u00e9 le estoy pagando miles de d\u00f3lares a mi compa\u00f1\u00eda de seguros de propiedad cada a\u00f1o?<\/span><\/p>\n

Esta reciente decisi\u00f3n judicial podr\u00eda causar impactos de tama\u00f1o hurac\u00e1n pronto a los asegurados en toda Florida con efectos inmediatos en los propietarios de Palm Beach, Broward y Martin County.<\/span><\/p>\n

Los propietarios de viviendas en Florida ahora deben empezar a enfrentarse a preguntas dif\u00edciles como: \u00bftienes $57,836.83 ahorrado para pagar las reparaciones si tuvieras una fuga de agua inesperada en tu casa?\u00a0<\/span><\/p>\n

Si no es as\u00ed, entonces imagine este escenario com\u00fan: ya sea una fuga en el ba\u00f1o o en la cocina, su hogar tiene da\u00f1os por agua. A pesar de sus esfuerzos de limpieza, nota que comienzan a aparecer manchas de moho. Su compa\u00f1\u00eda de seguros se niega a pagar algo o, en esta historia, le paga para que limpie el moho pero niega el pago por los da\u00f1os causados por el agua. Usted obtiene presupuestos para las reparaciones, pero su compa\u00f1\u00eda de seguros se mantiene en su decisi\u00f3n original y se niega a hacer nada m\u00e1s.\u00a0<\/span><\/p>\n

Bajo este escenario, la Corte de Apelaciones del Cuarto Distrito <\/span>Universal c. Qureshi<\/span> sostuvo que usted, como propietario, ahora deb\u00eda asumir la responsabilidad financiera de pagar las reparaciones antes de tener derecho a demandar a su compa\u00f1\u00eda de seguros de propiedad, aparentemente sin importar cu\u00e1n grave fuera el error de su compa\u00f1\u00eda de seguros o cu\u00e1n claramente hubiera incumplido sus obligaciones seg\u00fan la p\u00f3liza.\u00a0<\/span><\/p>\n

En <\/span>Universal c Qureshi<\/span>, los propietarios demandaron alegando que su compa\u00f1\u00eda de seguros no pag\u00f3 lo suficiente por los da\u00f1os por agua y moho causados por una fuga repentina de agua. La compa\u00f1\u00eda de seguros emiti\u00f3 un pago para la limpieza del moho, pero neg\u00f3 que se debiera alg\u00fan pago por los da\u00f1os por agua, alegando que la p\u00f3liza exclu\u00eda la cobertura de los da\u00f1os que su investigaci\u00f3n revel\u00f3 que ocurrieron durante meses o a\u00f1os.\u00a0<\/span><\/p>\n

Los propietarios asegurados negaron que la gotera hubiera estado presente durante meses y afirmaron que, aunque hab\u00edan recibido cotizaciones, no contaban con el dinero necesario para pagar todas las reparaciones requeridas en su vivienda. Antes y durante el juicio, la compa\u00f1\u00eda de seguros, Universal Property & Casualty Insurance Company, solicit\u00f3 al juez que impidiera la presentaci\u00f3n de cualquier cotizaci\u00f3n o evidencia sobre el costo estimado de las reparaciones que los asegurados no pudieron realizar. El tribunal de primera instancia rechaz\u00f3 el argumento de la compa\u00f1\u00eda de seguros de que la p\u00f3liza y el art\u00edculo \u00a7627.7011 del Estatuto de Florida imped\u00edan a los asegurados utilizar cotizaciones en el juicio para trabajos que a\u00fan no se hab\u00edan realizado. El jurado emiti\u00f3 un veredicto a favor de los asegurados, al considerar que la compa\u00f1\u00eda de seguros hab\u00eda incumplido la p\u00f3liza al negar la cobertura por los da\u00f1os causados por el agua, y les otorg\u00f3 $57,836.83 con base en el costo estimado de reemplazo. Sin embargo, la compa\u00f1\u00eda de seguros apel\u00f3 y la Corte de Apelaciones del Cuarto Distrito revoc\u00f3 la decisi\u00f3n.\u00a0<\/span><\/p>\n

El 24 de julio de 2024, el Tribunal de Apelaciones del Cuarto Distrito emiti\u00f3 la <\/span>Universal c. Qureshi<\/span> opin\u00f3 y dictamin\u00f3 que el tribunal de primera instancia admiti\u00f3 indebidamente pruebas de costos de reemplazo, sosteniendo que \u201clos asegurados no tienen derecho a los costos de reparaci\u00f3n a menos que y hasta que se realice el trabajo y se incurran en gastos\u201d.\u201d\u00a0<\/span><\/p>\n

Esto es inconsecuente con un fallo anterior de 2020 a favor de los propietarios de viviendas del Tercer Distrito de la Corte de Apelaciones en <\/span>Citizens Prop. & Cas. Ins. Co. contra Tio<\/span>, 304 So. 3d 1278 (Fla. 3.\u00ba DCA 2020). En ese caso, el Tercer DCA rechaz\u00f3 el \u2019argumento bastante creativo, aunque ineficaz, de Citizens de que, cuando una aseguradora niega injustificadamente la cobertura de una reclamaci\u00f3n, lo que obliga a su asegurado a presentar una demanda contra la aseguradora por incumplimiento del contrato de seguro, la secci\u00f3n 627.7011(3) limita los da\u00f1os por incumplimiento de contrato que un jurado puede otorgar, como si la aseguradora no hubiera incumplido el contrato de seguro\u201c.\u201d\u00a0<\/span><\/p>\n

Animamos a todos a leer este reciente <\/span>Universal c. Qureshi <\/span>opini\u00f3n, as\u00ed como el voto particular detallado del juez Warner, <\/span>No relacionado<\/span><\/i>, que reconoce las significativas frustraciones que todos los propietarios de Florida tendr\u00e1n al verse obligados a lidiar con las implicaciones financieras de decisiones incorrectas en sus reclamaciones por parte de su compa\u00f1\u00eda de seguros.\u00a0<\/span><\/p>\n

A pesar de que esto pueda sorprender a muchos asegurados, la Cuarta Corte de Apelaciones declar\u00f3 que \u201clas partes negociaron libremente esa disposici\u00f3n contractual y no es funci\u00f3n de un tribunal eliminar esa obligaci\u00f3n del contrato\u201d. Nuestra oficina desconoce cualquier p\u00f3liza est\u00e1ndar emitida para propietarios de viviendas en Florida que no incluya la disposici\u00f3n ambigua a la que se refiere el Tribunal o la posibilidad de que un propietario \u201cnegocie libremente\u201d los t\u00e9rminos de una p\u00f3liza HO est\u00e1ndar emitida, fuera de las coberturas o montos.\u00a0<\/span><\/p>\n

Nuestra oficina ha manejado muchos casos con errores u omisiones evidentes en los pagos o determinaciones de cobertura de las compa\u00f1\u00edas de seguros que, sin embargo, requirieron litigio para que nuestros clientes recibieran el dinero al que inicialmente ten\u00edan derecho para reparar su hogar da\u00f1ado.\u00a0<\/span><\/p>\n

Antes de 2023, si tu compa\u00f1\u00eda de seguros emit\u00eda un pago insatisfactorio o se negaba a pagar reparaciones necesarias y t\u00fa ganabas por acuerdo o juicio, tu compa\u00f1\u00eda de seguros era responsable de los honorarios y costos de tu abogado. Debido a la legislaci\u00f3n reciente y a la reforma de la ley de responsabilidad civil, el Estado de Florida elimin\u00f3 este derecho de larga data, por el cual los propietarios pod\u00edan ser compensados \u200b\u200ben su totalidad despu\u00e9s de ganar y demostrar que su compa\u00f1\u00eda de seguros no emiti\u00f3 las cantidades adecuadas o incumpli\u00f3 los t\u00e9rminos contractuales de una p\u00f3liza.\u00a0<\/span><\/p>\n

Este gran cambio de poder hacia las compa\u00f1\u00edas de seguros seguir\u00e1 perjudicando a los propietarios de viviendas de Florida, que no han visto ninguna reducci\u00f3n en sus primas. Debido a la aprobaci\u00f3n de reformas recientes en materia de responsabilidad civil y legislaci\u00f3n anticonsumidor en Florida, los residentes ahora pueden tener que encontrar formas de pagar todas sus reparaciones y ser responsables de sus propias costas legales y de cualquier gasto asociado con la obtenci\u00f3n de pagos de seguros a los que ten\u00edan derecho desde el principio.\u00a0\u00a0<\/span><\/p>\n

Si bien la Corte Suprema de Florida puede finalmente decidir las cuestiones en conflicto entre las opiniones del Cuarto DCA en <\/span>Universal c. Qureshi<\/span> y la Tercera DCA en <\/span>Ciudadanos vs. T\u00edo<\/span>, esta jurisprudencia es importante que usted conozca si alguna vez debe presentar alg\u00fan tipo de reclamaci\u00f3n por da\u00f1os en su hogar en los condados de Palm Beach, Broward y Martin. Mientras tanto, estos casos son una autoridad persuasiva para el resto de Florida. Puede ser ahora m\u00e1s importante que nunca que los propietarios de viviendas en Florida comiencen a ahorrar y reserven un fondo de emergencia para cualquier da\u00f1o inesperado.\u00a0<\/span><\/p>\n

Warner & Fitzmartin Abogados de Lesiones Personales puede atender a clientes que deseen prepararse para defenderse de sus compa\u00f1\u00edas de seguros cuando deniegan o pagan de menos de forma injusta las reclamaciones por da\u00f1os a la propiedad. Las estimaciones preparadas por las compa\u00f1\u00edas de seguros y las exclusiones de p\u00f3liza que suelen invocar pueden ser muy confusas y dif\u00edciles de comprender. Si tiene preguntas sobre su reclamaci\u00f3n de seguro por da\u00f1os a la propiedad,\u00a0<\/strong><\/span>Llame a los abogados de Warner & Fitzmartin Personal Injury Lawyers<\/strong><\/span><\/a>\u00a0en\u00a0<\/span>(561) 821-3098<\/strong><\/span><\/a>.<\/span><\/p>\n

\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Are you prepared to pay out of pocket for repairs if your insurance company underpays or denies your claim? Universal Property & Casualty Insurance Company v. Qureshi, No. 4D2023-1338 (Fla. 4th DCA, July 24, 2024) \u2013 To read the opinion click here : https:\/\/4dca.flcourts.gov\/content\/download\/2438086\/opinion\/Opinion_2023-1338.pdf\u00a0 This opinion from the Fourth District Court of Appeal sets new […]<\/p>\n","protected":false},"author":4,"featured_media":4688,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4687","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"\nHomeowners in Palm Beach, Broward, and Martin County - Are you prepared to pay out of pocket for repairs if your insurance company underpays or denies your claim? | Warner & Fitzmartin Personal Injury Lawyers<\/title>\n<meta name=\"description\" content=\"Are you prepared to pay out of pocket for repairs if your insurance company underpays or denies your claim? 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