Nieve & Marisol Linares v. Universal Property & Casualty

Nieve and Marisol Linares, the homeowners, appeal a final summary judgment entered in favor of Universal Property and Casualty Insurance Company. The trial court determined the homeowners’ breach of contract action was barred by the five-year statute of limitations period. We reverse.

On October 24, 2005, the homeowners’ property sustained damage as a result of Hurricane Wilma. The homeowners reported the damage to the insurance company approximately two months later. On February 21, 2006, the insurance company sent a letter to the homeowners stating that the damages fell below the insurance…