| 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. |
The second Edison letter in this archive drawing the same line, and the numbers make it plain. Screen Enclosure Coverage pays $236.33. The screen material in the enclosure is not covered at all.
A screen cage is a frame with mesh in it, and this is a policy that treats the two as different property. The aluminium is insured; the thing that makes it an enclosure is not. For a Florida homeowner the practical consequence is that the covered portion of a destroyed cage can be a rounding error against the cost of putting it back.
Because this is the second instance, it reads as the policy working as written rather than as an adjuster’s call. That points at where the argument actually lies: the endorsement or the exclusion by number, its wording, when it was added to the policy, and whether the reduction in premium that accompanied it was ever explained. The companion entry in this archive is a North Fort Myers claim from December 2022 where the frame was paid at $13,086.16 on the same basis.
Florida DFS Civil Remedy Notice, filing no. 688115, accepted 4/13/2023, Englewood. 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 $236.33 for Screen Enclosure Coverage being mailed to the insured. · 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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