| Carrier | Castle Key Indemnity Company |
|---|---|
| Arguments used | Wear and tear · Below deductible |
| 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 independent reasons for paying nothing, which is worth noticing because they do different work. First, the slipped clay tiles are attributed to installation and to gravity acting over time rather than to the storm. Second, whatever remained was priced below the deductible.
The second reason survives the first being wrong. Even if the tile slipped in the wind, the claim still pays nothing unless the repair estimate clears the deductible, which on a Florida hurricane deductible is a percentage of the dwelling limit rather than a flat figure. So a policyholder arguing only about causation can win the argument and still receive no check.
Gravity is doing unusual work here as a stated cause. Tile does slip over decades on a poorly fastened roof; it also slips when wind lifts it. What separates them is the pattern and location of the slipped tiles, and whether the fasteners failed or the tiles simply moved.
Florida DFS Civil Remedy Notice, filing no. 663406, accepted 12/20/2022, Tampa. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the desk adjuster advised this after the public adjuster reported unanswered phone calls. · 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.