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  • SERRANO, MILAGROS vs. KIN INTERINSURANCE NETWORK CONTRACTS document preview
  • SERRANO, MILAGROS vs. KIN INTERINSURANCE NETWORK CONTRACTS document preview
  • SERRANO, MILAGROS vs. KIN INTERINSURANCE NETWORK CONTRACTS document preview
  • SERRANO, MILAGROS vs. KIN INTERINSURANCE NETWORK CONTRACTS document preview
  • SERRANO, MILAGROS vs. KIN INTERINSURANCE NETWORK CONTRACTS document preview
  • SERRANO, MILAGROS vs. KIN INTERINSURANCE NETWORK CONTRACTS document preview
  • SERRANO, MILAGROS vs. KIN INTERINSURANCE NETWORK CONTRACTS document preview
  • SERRANO, MILAGROS vs. KIN INTERINSURANCE NETWORK CONTRACTS document preview
						
                                

Preview

Filing # 194959704 E-Filed 03/27/2024 04:17:50 PM IN THE CIRCUIT COURT, OF THE NINTH JUDICIAL CIRCUIT IN AND FOR OSCEOLA COUNTY, FLORIDA CASE NO.: 2024 CA 000047 CI DIVISION: E (Judge Tom Young) MILAGROS SERRANO Plaintiff, v. KIN INTERINSURANCE NETWORK, Defendant. / DEFENDANT’S RESPONSE TO PLAINTIFF’S FIRST REQUEST FOR ADMISSIONS COMES NOW the Defendant, KIN INTERINSURANCE NETWORK (“KIN” or “Defendant”), by and through its undersigned counsel and pursuant to Rule 1.370 of the Florida Rules of Civil Procedure, serves its responses to Plaintiff’s First Request for Admissions as follows: 1. Admit that prior to July 9, 2022 you issued a policy of homeowners’ insurance which provided insurance coverage to a property at 132 Jalapa Drive, Kissimmee, Florida 34743. RESPONSE: KIN admits only that it issued policy number KIN-HO-FL-153758298 Milagros Serrano for the property at 132 Jalapa Dr., Kissimmee, FL 34743-7531 with effective dates of January 1, 2022 to January 1, 2023. KIN’s liability to Plaintiff, if any, is limited to the terms and conditions of the subject policy together with the limits of liability contained therein. 2. Admit that the policy of homeowners’ insurance which Defendant provided to Plaintiff covered the property at 132 Jalapa Drive, Kissimmee, Florida 34743 as of the date of the loss described in the Complaint, which was on or about July 9, 2022. RESPONSE: KIN admits only that it issued policy number KIN-HO-FL-153758298 Milagros Serrano for the property at 132 Jalapa Dr., Kissimmee, FL 34743-7531 with effective dates of January 1, 2022 to January 1, 2023. KIN’s liability to Plaintiff, if any, is limited to the terms and conditions of the subject policy together with the limits of liability contained therein. KIN further states that the policy speaks for itself and is subject to all the terms and conditions therein. 3. Admit that the insurance policy Defendant issued which is described in the Complaint provided coverage to Plaintiff for damage caused to the property at 132 Jalapa Drive, Kissimmee, Florida 34743 as a result of loss described in the Complaint. RESPONSE: Denied. 4. Admit that the policy of homeowners’ insurance which Defendant provided to Plaintiff for the property at 132 Jalapa Drive, Kissimmee, Florida 34743 was in full force and effect as of July 9, 2022. RESPONSE: KIN admits only that it issued policy number KIN-HO-FL-153758298 Milagros Serrano for the property at 132 Jalapa Dr., Kissimmee, FL 34743-7531 with effective dates of January 1, 2022 to January 1, 2023. KIN’s liability to Plaintiff, if any, is limited to the terms and conditions of the subject policy together with the limits of liability contained therein. 5. Admit that pursuant to the terms of Defendant’s homeowners’ insurance policy issued to Plaintiff for the property at 132 Jalapa Drive, Kissimmee, Florida 34743, Defendant was timely notified of the loss in question which occurred on or about July 9, 2022. RESPONSE: Denied. 6. Admit that the loss described in the Complaint which occurred on or about July 9, 2022 was a covered event pursuant to the terms of the policy of homeowners’ insurance which Defendant issued to the Plaintiff for the property at 132 Jalapa Drive, Kissimmee, Florida 34743. RESPONSE: Denied. 7. Admit that Defendant received notice of the loss described in the Complaint at least 90 days prior to the filing of this lawsuit or before the claim was denied or underpayment issued. RESPONSE: 2 KIN admits only that Plaintiff reported the alleged loss to KIN on September 7, 2023, and that the Complaint was filed by Plaintiff on January 8, 2024. 8. Admit that Plaintiff is the recipient of the benefits related to the subject claim under the insurance policy which Defendant issued to Plaintiff for the property at 132 Jalapa Drive, Kissimmee, Florida 34743 as it pertains to the loss which occurred on or about July 9, 2022. RESPONSE: KIN objects to this request as vague and ambiguous in the use of the term “recipient of the benefits related to the subject claim.” Subject to and without waiver of the objection, KIN admits only that it issued policy number KIN-HO-FL-153758298 Milagros Serrano for the property at 132 Jalapa Dr., Kissimmee, FL 34743-7531 with effective dates of January 1, 2022 to January 1, 2023. KIN’s liability to Plaintiff, if any, is limited to the terms and conditions of the subject policy together with the limits of liability contained therein. 9. Admit that any payment Defendant issued on this claim was in accordance with the terms of the insurance policy at issue in this lawsuit. RESPONSE: KIN did not issue payment to Plaintiff as it found no covered damage under the terms and conditions of the policy. 10. Admit that above-named Defendant is properly named in this action. RESPONSE: KIN admits only that it issued policy number KIN-HO-FL-153758298 Milagros Serrano for the property at 132 Jalapa Dr., Kissimmee, FL 34743-7531 with effective dates of January 1, 2022 to January 1, 2023. KIN’s liability to Plaintiff, if any, is limited to the terms and conditions of the subject policy together with the limits of liability contained therein. [CERTIFICATE OF SERVICE ON FOLLOWING PAGE.] 3 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a copy of the foregoing has been furnished via electronic delivery to Clayton T. Kuhn, Esquire, 2110 West Platt Street, Tampa, Florida 33606 via the following designated e-mail address: clay@theKRfirm.com & Service1@thekrfirm.com on this 27th day of March 2024. MARJORIE M. SALAZAR, ESQUIRE Florida Bar Number 0939021 Southeast Law Group, P.A. 1825 Business Park Blvd., Suite A Daytona Beach, FL 32114 (386) 274-1700 Attorneys for Defendant msalazar@southeastlaw.com eservice@southeastlaw.com 4