OSMANY ESTEVEZ AND YENISBEL RAMIREZ,
v.
CITIZENS PROPERTY INSURANCE CORPORATION
AI-generated. These summaries, headnotes, and key points are machine-generated and may contain errors or omissions. Always verify against the full opinion text below. Not legal advice.
The appellate court affirmed the lower court's grant of summary judgment for the insurance company. The insureds failed to present sufficient evidence to create a genuine issue of material fact regarding their water damage claim.
No, the insureds failed to present sufficient evidence. Their partial expert affidavit contained only conclusions without a discernible, factually-based chain of reasoning, rendering it insufficient to oppose summary judgment.
[1] Summary judgment is proper if there is no genuine issue of material fact and the moving party is entitled to a judgment as a matter of law.
[2] A party opposing a motion for summary judgment must come forward with counter-evidence sufficient to reveal a genuine issue of material fact.
Previewing 2 of 4 headnotes on this case. FLexlaw’s editorially structured points of law — every proposition, pinpointed — are reserved for members.
Join FLexlaw to unlock all legal intelligence“Summary judgment is proper if there is no genuine issue of material fact and if the moving party is entitled to a judgment as a matter of law.”
This quote defines the standard for summary judgment, which was the procedural mechanism at issue.
Previewing 1 of 3 key quotes on this case — the court’s exact language, pinpointed for members.
Join FLexlaw to unlock all legal intelligenceThe insureds sued their insurer for denying a claim for water damage. The insurer moved for summary judgment, supported by expert affidavits stating t…
The full statement of facts, procedural history, and disposition for this case are member content.
Join FLexlaw to unlock all legal intelligence© FLexlaw, Inc. — AI-generated enrichments are proprietary. All rights reserved.
Explore caselaw by topic → Browse Factual Basis For Expert Opinion cases and more on FLexlaw
LOGUE, J.
Osmany Estevez and Yenisbel Ramirez (the “Insureds”) appeal the grant of a summary judgment entered for Citizens Property Insurance Corporation (the “Insurer”) and against them.
We affirm. In this case, the Insureds sued their Insurer for denying their claim for water damage to their home. The Insurer moved for summary judgment based on the affidavits and reports of two experts who inspected the damaged roof and gave the opinion that the water damage was due to wear and tear and therefore not covered by the policy. The Insureds responded to the summary judgment motion by filing only part of an affidavit prepared by their expert. They filed pages 1, 2, and 4, of the expert’s affidavit, but omitted page 3 which apparently contained paragraphs 13, 14, 15, 16, 17, and part of 18 of the expert’s analysis. The Insureds later declined to provide the missing page when given the opportunity by the court below to do so. “Summary judgment is proper if there is no genuine issue of material fact and if the moving party is entitled to a judgment as a matter of law.” Volusia Cty. v. Aberdeen at Ormond Beach, L.P., 760 So. 2d 126, 130 (Fla. 2000) (citing Menendez v. Palms W. Condo. Ass’n, 736 So. 2d 58 (Fla. 1st DCA 1999)).
It “is designed to test the sufficiency of the evidence to determine if there is sufficient evidence at issue to justify a trial or formal hearing on the issues raised in the pleadings.” The Fla. Bar v. Greene, 926 So. 2d 1195, 1200 (Fla. 2006).
After careful review, we find that the affidavits filed by the Insurer met its preliminary burden as movant for summary judgment of showing that no genuine issue of material fact existed. The affidavit filed by the Insureds, on the other hand failed to meet their burden as non-movants opposing summary judgment to “come forward with counter-evidence sufficient to reveal a genuine issue,” Harvey Bldg., Inc. v. Haley, 175 So. 2d 780, 783 (Fla. 1965), because their expert’s affidavit in the truncated form filed in this record contains only conclusions and fails to provide a discernible, factually-based chain of reasoning necessary for an expert opinion to be admissible in evidence. Gonzalez v. Citizens Prop. Ins. Corp., 273 So. 3d 1031, 1037 (Fla. 3d DCA 2019).
See Morgan v. Cont’l. Cas. Co., 382 So. 2d 351, 353 (Fla. 3d DCA 1980) (“It is well established that affidavits, such as those presented by plaintiff, which are based entirely upon speculation, surmise and conjecture, are inadmissible at trial and legally insufficient to create a disputed issue of fact in opposition to a motion for summary judgment.”).
Affirmed.
Cases With Similar Vibessemantic neighbors from the corpus
Citator
Authorities Cited
- Volusia Cnty. v. Aberdeen AT Ormond Beach, L.P., 760 So. 2d 126 (Fla. 2000)
- THE Florida BAR v. Greene, 926 So. 2d 1195 (Fla. 2006)
- Holland Paving Co., Inc. v. Dann, 175 So. 2d 780 (Fla. 1965)
- Menendez v. The Palms W. Condo. Ass'n, Inc., 736 So. 2d 58 (Fla. 1st DCA 1999)
- Yosvani Gonzalez and Yenisleidy Perez v. Citizens Prop. Ins. Corp., 273 So. 3d 1031 (Fla. 3d DCA 2019)
- Patience R. Morgan v. Cont'l Cas. Co., 382 So. 2d 351 (Fla. 3d DCA 1980)