The Hurricane Law Group, a law firm dedicated to legal matters involving hurricanes and natural disasters, recently filed three requests for class-action lawsuits against Allstate Floridian, Citizens Property Insurance, and State Farm, alleging that the three insurance companies breached their homeowners' insurance contracts by not paying for building permits related to damaged or replaced roofs.

According to the suits, which were filed on Monday in the Florida counties of Hendry, Miami-Dade, and Broward, the three companies all used similar HO-3 "all perils" forms from the Insurance Services Office for their homeowners' policies. As part of these forms, there is specific language that details how non-excluded events and expenses would be covered by the insurance companies. The Hurricane Law Group alleges that the expenses incurred by homeowners to obtain the building permits should have been included as part of coverage by the three insurers, but were not.

According to the Hurricane Law Group, any Allstate Floridian, Citizens, or State Farm homeowners' policyholder who made a claim for roof damage in the last five years could be affected by the lawsuit, including claims made for tornadoes, hurricanes, or other natural disasters. That could include up to 50,000 Allstate policyholders, 100,000 Citizens policyholders, and 50,000 State Farm policyholders.