| Carrier | Edison Insurance Company |
|---|---|
| Arguments used | Seepage · 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 separate reasons for nothing, stacked. The component that failed is excluded, as it is in most homeowners forms. And the loss as scoped came in under the deductible, so even the covered water damage produced no payment.
The stack matters because the reasons answer to different evidence. Arguing that the appliance should have been covered does not help if the estimate stays below the retention; the deductible reason survives on its own. Conversely, if the scope is too low, the deductible reason falls and the component exclusion becomes the only live issue, and by then it is the smaller number.
So the order of work on a letter like this is the reverse of the order it presents. Test the estimate first. What was included, what was missed, whether the cabinetry and flooring were scoped to the extent of the moisture rather than the extent of the staining, and what the drying records show.
Florida DFS Civil Remedy Notice, filing no. 657083, accepted 11/15/2022, Saint Augustine. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the letter follows a determination that the loss fell below the policy deductible, so no payment was made. · 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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