| Carrier | Florida Peninsula Insurance Company |
|---|---|
| Arguments used | 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. |
Punta Gorda was inside Hurricane Ian’s eye wall on September 28, 2022. This determination issued a month later and found the damage worth less than the deductible.
The letter does one thing well: it encloses an itemized estimate and a statement of loss. That is the document the decision rests on, and a homeowner who has it can have it priced independently, line against line, rather than arguing with a conclusion.
What to look for is where a low estimate usually comes from. Repair rather than replacement of a roof that cannot be repaired to match. Elevations inspected from the ground. Interior damage priced at the stain rather than at the moisture reading. Ordinance and law upgrades omitted. On a hurricane deductible measured as a percentage of the dwelling limit, the threshold is high enough that a scope written conservatively will land under it more often than not.
Florida DFS Civil Remedy Notice, filing no. 664405, accepted 12/23/2022, Punta Gorda. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where Florida Peninsula issued its coverage determination on October 28, 2022. · 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.
Got a letter like this one?
Upload it. You'll get a straight answer on which argument the carrier is running, how the same argument has fared on the record, and what the strongest next move is.
The library grows one letter at a time. Letters shared with permission are published redacted, with the policyholder's details removed.
HURRICANELAW.PRO A comprehensive property-insurance claim resource for policyholders: denied and underpaid claims, coverage and bad-faith law, storm dossiers, carrier profiles, city guides, and the complete claims playbook. Florida and South Carolina.
▸ SEE THE FULL SITE MAP →Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only: they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Legal services are provided by Halversen Law. Nothing on this site is legal advice; consult an attorney about your specific claim.
Legal matters are handled by Halversen Law, a law firm licensed in Florida and South Carolina.