| 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. |
Read the last five words. The exclusions are applied to conditions on the roof whether observed or not.
That phrase does something a denial letter is not supposed to do. A coverage decision is a finding about this property, made from an inspection, and Florida asks the insurer to explain the basis in the policy in relation to the facts. A denial extended to conditions nobody observed has no facts under it for those conditions. It is a statement that the exclusions apply to whatever is up there, seen or unseen.
The etc. in the middle of the list works the same way. Eight named exclusions, then an abbreviation standing in for however many more the carrier may wish to rely on later.
This is a Cape Coral property and the filing is dated November 2022, which places it in the Hurricane Ian cohort. A letter written this way tells the policyholder the outcome without telling them what was found, which is precisely the position a request for the adjuster’s report and photographs is designed to break.
Florida DFS Civil Remedy Notice, filing no. 654933, accepted 11/1/2022, Cape Coral. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the insurer set this out in a letter dated April 6, 2022 after investigating the roof system. · 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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