| Carrier | Edison Insurance Company |
|---|---|
| Arguments used | Wind-driven rain · Wear and tear |
| 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. |
The letter traces the water and finds every route it took to be an uncovered one: cracks in the stucco, missing caulk at the windows, and possibly groundwater through the foundation. Then it states the rule that decides it, which is that no covered peril made an opening.
Possible is the word carrying the least weight and the most consequence. Possible ground water is not a finding; it is a hypothesis, and it appears in a sentence otherwise stating conclusions. A denial that lists three candidate routes without establishing which one actually admitted the water has described the building rather than the loss.
Missing window caulking is the most checkable of the three. Caulk fails gradually, but it also blows out, and wind-driven rain at hurricane pressures gets past sealant that was adequate in ordinary weather. Whether the caulk was absent before the storm or removed by it is answerable from photographs and from the condition of the surrounding surfaces.
Florida DFS Civil Remedy Notice, filing no. 663907, accepted 12/21/2022, Riverview. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the insurer issued a denial letter to the insured on December 3, stating. · 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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