Citizens Property Insurance Corp. v. Cuban-Hebrew Congregation of Miami, Inc.

This is an appeal of judgment requiring Citizens Property Insurance Corporation to pay the full amount of an appraisal-award. We conclude that Citizens was entitled to a reduction of the amount for sums it previously had paid to the insured, as well as a reduction on account of the policy deductible. We therefore reverse the order now before us.

I

Cuban-Hebrew Congregation of Miami, Inc., owns three properties on Miami Beach, Florida, which were insured by Citizens’ Commercial Wind Only Policy. In 2005, Hurricane Wilma struck South Florida and the insured submitted a claim for damage to its…