| Carrier | ASI Preferred Insurance Corp. |
|---|---|
| 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. |
Two findings, two different people blamed, and neither is the storm. Granule loss is put down to age. High nailing is put down to the roofer who installed the shingles.
High nailing is worth understanding because it appears constantly in Florida roof denials. A shingle is meant to be fastened through its nailing strip; a nail driven above that line holds the shingle less securely, so a high-nailed roof is more likely to lose shingles in wind. That is an argument about vulnerability, not about cause. A roof that was easier for the wind to lift is still a roof the wind lifted, and whether an installation defect defeats coverage depends on the policy’s wording on faulty workmanship and on any ensuing-loss provision.
There is also a practical question the letter does not address. If high nailing was present at underwriting, and the carrier inspected the property before binding, the condition it now relies on to deny was there when it took the premium.
Florida DFS Civil Remedy Notice, filing no. 660521, accepted 12/8/2022, Parrish. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the insurer's coverage letters stated that it. · 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.
Got a letter like this one?
Upload it. You'll get a straight answer on which argument the carrier is running, how the same argument has fared on the record, and what the strongest next move is.
The library grows one letter at a time. Letters shared with permission are published redacted, with the policyholder's details removed.
HURRICANELAW.PRO A comprehensive property-insurance claim resource for policyholders: denied and underpaid claims, coverage and bad-faith law, storm dossiers, carrier profiles, city guides, and the complete claims playbook. Florida and South Carolina.
▸ SEE THE FULL SITE MAP →Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only: they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Legal services are provided by Halversen Law. Nothing on this site is legal advice; consult an attorney about your specific claim.
Legal matters are handled by Halversen Law, a law firm licensed in Florida and South Carolina.