| Carrier | American Integrity Insurance Company of Florida |
|---|---|
| Arguments used | Wear and tear · Pre-existing damage |
| What happened next | Civil Remedy Notice filed with Florida's Department of Financial Services, which opens a 60-day window for the insurer to cure. |
This archive holds a second American Integrity letter, on a different claim in a different city, carrying the same closing phrase: conditions whether observed or not.
That repetition is the finding. A sentence that appears in two unrelated files, with the same list of exclusions and the same trailing etc., is a form paragraph rather than a conclusion reached about a particular roof. It was written once and is applied to claims.
Which matters for what the letter is supposed to be. Florida asks a denial to explain the basis in the policy in relation to the facts. A paragraph that denies conditions nobody observed contains no facts about this property at all, and the same paragraph appearing on another property confirms it was never meant to.
This is Port Charlotte, dated two weeks after Hurricane Ian came ashore roughly twenty miles away. The companion entry in this archive is Cape Coral, three weeks later.
Florida DFS Civil Remedy Notice, filing no. 650842, accepted 10/11/2022, Port Charlotte. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the insurer inspected the home and roof system and provided a coverage determination letter concluding this. · public record ↗
Quotes are verbatim from the cited public record. Case status and statute summaries drafted August 2026; verify against the current docket and statute. Not legal advice; consult an attorney about your specific claim.
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