| Carrier | Florida Peninsula Insurance Company |
|---|---|
| Arguments used | Wear and tear · Pre-existing damage |
| What happened next | Public BBB complaint quoting the carrier's exclusion recital. |
Three exclusions in one breath: wear and tear, deterioration, faulty installation. The triple recital is a template artifact, the exclusion list quoted wholesale rather than one cause identified and proven, and it appears here verbatim in a public complaint record.
Each member of the triple has a different rebuttal, which is exactly why letters bundle them. Wear and tear is answered with the damage pattern (directional, dated, storm-consistent). Deterioration is answered with pre-loss condition evidence. Faulty installation is answered with the roof’s permit and inspection history, and it quietly points at a third party, the installer, which does not extinguish the carrier’s own coverage analysis.
A letter running all three at once has usually proven none of them. The response demands the specific cause, the specific evidence for it, and the complete claim file behind the inspection.
BBB complaint No. 22086474 against Florida Peninsula (Boca Raton profile); the exclusion recital appears verbatim · 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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