| Carrier | Foremost Property and Casualty Insurance Company |
|---|---|
| Arguments used | Wear and tear |
| 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. |
Eleven words that concede the building is taking on water and refuse the claim in the same breath. The roof is letting rain in. The reason given is that the roof is worn.
The construction is worth pausing on because it is doing something a longer letter would have to defend. It treats the condition of the roof as the cause of the loss, which converts an active leak into a maintenance problem and closes the file. Whether that is right depends entirely on what opened the roof, and the sentence does not say.
There is no inspection date here, no observed condition beyond the word worn, and no policy provision quoted. As a statement of the basis in the policy in relation to the facts, which is what section 627.70131 asks a Florida denial to contain, it supplies a conclusion where the facts should be.
Florida DFS Civil Remedy Notice, filing no. 794277, accepted 11/26/2024, Orlando. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the insurer based the denial on the rationale that the damage sustained was a result of this. · 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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