(November 6, 2018, 3:57 PM EST) -- MIAMI — A Florida appeals panel held on Oct. 31 that there are disputed issue of material fact regarding whether a covered peril under a homeowners insurance policy caused an opening in the roof of an insured’s Miami-Dade County home, reversing and remanding a lower court’s ruling in favor of the insurer in a breach of contract dispute over water damage (Amada Ortega v. Citizens Property Insurance Corporation, No. 3D17-2028, Fla. App., 3rd Dist., 2018 Fla. App. LEXIS 15422)....