Universal Property & Casualty Insurance Company v. Jorge O. Gonzalez-Perez
A homeowner sought declaratory relief for vandalism coverage on a Miami property he had rented out and did not occupy at the time of the loss, though the tenants had vacated and he intended to move back in. A jury found for the insured, but the Third District reversed, holding that under Arguelles the undefined term "reside" in the policy's "residence premises" definition unambiguously requires actual occupancy at the time of loss, so the insurer was entitled to a directed verdict.
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