| Carrier | First Protective Insurance Company |
|---|---|
| Arguments used | Wear and tear · Pre-existing damage |
| 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. |
This is the most detailed kind of denial, and detail cuts both ways. The letter does not simply say wear and tear. It attributes cracked and displaced tile to three named causes, improper installation, foot traffic, and age, and it attributes interior staining to long-term leakage through inadequate flashing, citing dark discoloration on the framing seen in the attic.
Specific findings are testable in a way a bare exclusion is not. Foot traffic leaves a pattern, generally a path, not scattered breaks across separate slopes. Improper installation is a question the original permit and the roofer’s records can answer. Dark discoloration on sheathing establishes that water has been present a while, which is evidence about duration, not about what broke the tile.
The first sentence is the one to weigh against a wind-speed record for the address on the date of loss: no wind, hail, or weather-related damage was observed on the roof.
Florida DFS Civil Remedy Notice, filing no. 786715, accepted 10/14/2024, Port St. Lucie. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where FRONTLINE submitted a Denial Letter to the policyholders on June 18, 2024. · 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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