Read more: Visit website"When it rains really hard, the water hits the plastic," Barker said, pointing to a clear tarp stretched across parts of the home.
"They go through the floor [and] start soaking up through the walls," he said.
"The damage is evident."
Barker said he filed a property claim with Citizens Insurance , but after months with no resolution, he said the company offered a settlement of just $1,500.
According to the company, they received the original claim in July 2022 and denied it after inspecting the home.
They were served with the lawsuit a year later, on June 14, 2023. In an emailed statement, a spokesperson said Citizens cannot comment further, as the case is now in litigation.
He estimates the cost of a new roof will fall between $40,000 and $60,000, not including the damage inside the house.
"For it to be leaking like this in several different spots, especially in her room, it's definitely not wear and tear," he said.
An insurance industry expert not connected to the case tells CBS News Miami that legal action is the appropriate next step following a denied claim ⁘ and it's a step many policyholders often take.
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