PORT RICHEY - Anna and Joe Trapani never suspected anything amiss in their Regency Park home until one morning last month.

She woke up, walked into the kitchen - and splash.

"I sloshed in water," said Anna, 79. "Then when I stepped on one of the tiles, it bubbled up."

Turned out they had hidden leaks originating from their air conditioning drain line and from their washing machine, causing a film of water to coat a section of the kitchen floor. Parts of their kitchen would need to be torn apart, cleaned up and rebuilt - work that would total well over $30,000.

That was the first bad surprise. The second one came almost three weeks later, after the initial work had been done.

Citizens Property Insurance wasn't going to pay the bill. Want the whole story?