| Carrier | Florida Peninsula Insurance Company |
|---|---|
| Arguments used | Below deductible |
| What happened next | Public BBB complaint; the closure math is described in the record. |
The below-deductible closure with its consolation prize: the dwelling scope lands under the hurricane deductible, so structure pays nothing, and the file closes with a $500 food-spoilage check, the one coverage that carries no hurricane deductible.
That check is the tell worth understanding. Food loss paying while the structure pays zero means coverage was never in dispute; only the scope was. Percentage hurricane deductibles run 2% to 10% of Coverage A, so a $400,000 policy needs $8,000 to $20,000 in scoped damage before the first structural dollar, and a scope that stops at shingles, skipping underlayment, flashing, code items, and interior finishes, stays under that line by construction.
The rebuttal is arithmetic: an independent estimate of the full scope, compared line by line with the carrier’s. FLOIR’s Milton data shows below-deductible was the single largest closed-without-payment reason, 38.5% of all such closures, which makes this letter the most common letter in Florida.
BBB complaint No. 22615749 against Florida Peninsula (Boca Raton profile); the below-deductible closure is stated in the record · 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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