| 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. |
Three claims now, in three cities, carrying the same paragraph. Port Charlotte on October 11, 2022. Cape Coral on November 1. Punta Gorda on November 11. Same eight exclusions in the same order, the same trailing etc., and the same closing phrase about conditions whether observed or not.
One letter written this way is a badly drafted letter. Three, across unrelated properties in the six weeks after Hurricane Ian came ashore between those three towns, is a form paragraph applied to a storm cohort.
That distinction matters for what a policyholder can do with it. A finding about their roof invites an argument about their roof. A paragraph that appears verbatim in other people’s files is not a finding at all, and the fact that it denies conditions whether observed or not means it does not even claim to rest on the inspection it follows.
All three entries are in this archive and each links to the others.
Florida DFS Civil Remedy Notice, filing no. 656700, accepted 11/11/2022, Punta Gorda. 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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