| Carrier | Edison Insurance Company |
|---|---|
| Arguments used | Endorsement dispute · Cosmetic |
| 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. |
Read that sentence twice. The screen material is not covered because the damage was caused by a hurricane. The peril that destroyed it is the reason it is not paid for.
This is a screen enclosure endorsement doing what it was written to do, and Florida policyholders are routinely unaware of it until the letter arrives. Screen cages are the most wind-vulnerable structure on a typical Florida property and among the most expensive to re-screen, so carriers commonly cover the aluminium frame while excluding or sub-limiting the mesh itself specifically for windstorm and hurricane losses.
The letter is not hiding it: the same correspondence records a payment of $13,086.16 for the dwelling and screened enclosure. The frame was paid. The screen was not. Whether that split is correct is a declarations-page question, and the endorsement number and its wording are what a policyholder should be asking for.
Florida DFS Civil Remedy Notice, filing no. 665138, accepted 12/30/2022, North Fort Myers. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the same letter records a check for $13,086.16 for Coverage A dwelling and screened enclosure being mailed. · 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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