No Value: RAPHAEL, RUTH vs. UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY

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                                Filing # 179603317 E-Filed 08/14/2023 04:14:44 PM



                          IN THE CIRCUIT COURT OF THE 20TH JUDICIAL CIRCUIT,
                                IN AND FOR CHARLOTTE COUNTY, FLORIDA

                                                          CASE NO.: 23-001967-CA
        RUTH RAPHAEL,

                 PLAINTIFF,

        Vv.

        UNIVERSAL PROPERTY & CASUALTY
        INSURANCE COMPANY,

                 DEFENDANT.
                                                           /

                      PLAINTIFF’S REPLY TO DEFENDANT’S AFFIRMATIVE DEFENSES
                 Plaintiff, RUTH    RAPHAEL        (‘Plaintiff’)    by   and   through   undersigned      counsel,   and

        pursuant to Florida law, hereby files this Reply to the “Answer and Affirmative Defenses to

        Plaintiff's    Complaint”   served   by   Defendant,       UNIVERSAL       PROPERTY        &      CASUALTY

        INSURANCE         COMPANY       (“Defendant”),     upon     Plaintiff on   August     14, 2023.     In Support

        thereof, Plaintiff hereby states as follows:

                 1        All Affirmative Defenses     (implied or otherwise stated, numbered             one through

        eighteen) are denied and strict proof of same are hereby demanded. An Affirmative Defense is a

        “confession and avoidance,” in which the Defendant admits the allegations of the complaint but

        alleges additional facts that avoid the legal effect of the confessions (a standard not met by

        Defendant in this action). Moore Meats, Inc. v. Strawn, 313 So.2d 660 (Fla. 9175); Kitchen v.

        Kitchen, 404 So.2d 203 (Fla 2d DCA         1981). Further, “[c]ertainty is required when fact is legally

         insufficient.” Cady v. Chevy Chase Sav. And Loan, Inc., 528 So.2d                  136, 138 (Fla. 4th DCA

         1988) (citing Bliss v. Carmona, 418 So.2d 1017, 1019 (Fla. 3™ DCA                   1982)); 40 Fla. Jur. 2d

        Pleadings §§ 28, 33 (1982).
CERTIFICATE OF SERVICE

                  I HEREBY     CERTIFY that on August          14, 2023 a true and correct copy of the
foregoing   has     been     furnished     via   E-service     to:   Royce    B.   Badger,   Jr.,   Esq.,
upciceservice01@universalproperty.com,                                   th0322@universalproperty.com,
rb0503@universalproperty.com         and    Samantha    Ram,     Esq.,   agl130@universalproperty.com.

sr0221@universalproperty.com
                                                 By:      s/ Oren Reich
                                                 Mordechai L. Breier, Esq.
                                                 Florida Bar No.: 0088186
                                                 Oren Reich, Esq.
                                                 Florida Bar No.: 0103371
                                                 CONSUMER LAW OFFICE, P.A.
                                                 16801 NE 6" Ave.
                                                 North Miami Beach, FL 33162
                                                 Phone: (305) 940-0924 | Fax: (305) 602-8204
                                                 E-service: service@myconsumerlawoffice.com
                                                 E-mail: oreich@myconsumerlawoffice.com