Aspen American Insurance Company v. Luquis-Guadalupe

THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF PUERTO RICO ASPEN AMERICAN INSURANCE CO., Plaintiff, v. Civ. No. 24-01277 (MAJ) RAFAEL LUQUIS-GUADALUPE, Defendant. OPINION AND ORDER I. INTRODUCTION This case presents a triad of elements familiar to many insurance disputes: fire, water, and policy coverage. Plaintiff, Aspen American Insurance Co. ("Plaintiff"), has initiated this declaratory judgment action with the intent of invalidating an insurance policy that covers the "Descalza," a 28-foot yacht owned by Defendant Rafael Luquis- Guadalupe, (“Defendant”). (ECF No. 1 at 2 ¶ 5). The…