The case began after Lazaro Ramirez Escalona’s home, insured by Citizens Property Insurance Corporation, suffered weather-related damage on September 27, 2022. About a month later, Escalona entered into an assignment of benefits agreement with Well Done Mitigation, LLC for water dryout services. The agreement required the client to pay for any portion of work, deductibles, betterment, depreciation, or additional work not covered by insurance within thirty days of completion. It also stated that the owner’s deductible could not be waived pursuant to Florida Statute. A severance clause provided that the invalidity or unenforceability of any provision would not affect the rest of the agreement.
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