The lawsuit, filed in the US District Court for the Southern District of Florida, lists several claims: violations of the Real Estate Settlement Procedures Act (RESPA), breach of contract, bad faith, unfair trade practices under Florida law, negligence, unjust enrichment, and a call for the court to rescind the insurance arrangement altogether. The plaintiffs are seeking more than $1.2 million in damages and want the court to bar Zurich and ELS from similar practices in the future.