In a legal dispute that underscores the importance of property maintenance and insurance coverage, Universal Property & Casualty Insurance Company has filed a lawsuit against Coral Pointe at Harbourside Owners’ Association, Inc. The complaint was filed on November 14, 2024, in the County Court of the Sixth Judicial Circuit in Pinellas County, Florida. The case revolves around allegations of negligence resulting in water damage to a condominium unit owned by Dickson C. Canedy and Loraine Canedy.

The plaintiff, Universal Property & Casualty Insurance Company, acting as subrogee for Dickson C. Canedy and Loraine Canedy, claims that Coral Pointe at Harbourside Owners’ Association failed to properly maintain the exterior of their condominium building located at 8000 Sailboat Key Blvd S, Unit 404, St Pete Beach. This alleged negligence led to significant water intrusion on March 2, 2024, causing extensive damage to both the structure and personal property within the Canedy residence.

According to the complaint, the defendant association had a legal duty to ensure that common areas of the condominium complex were adequately maintained. The failure to inspect and repair the exterior walls is cited as a breach of this duty. The lawsuit details several specific failures by Coral Pointe at Harbourside Owners’ Association: neglecting necessary inspections and repairs of the building’s exterior and failing to stop or mitigate water flow into the Canedy property promptly.