| Carrier | First Protective 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. |
Read the connective. The letter lists seven things the policy does not cover, then says as such, and denies. What the phrase as such conceals is that nothing in the first sentence was ever tied to this house.
The first sentence is a statement about the policy form. It would read identically in a letter to any other policyholder. The second sentence is the decision. Between them there should be a finding about this roof, made on a stated date by a named person, and there is not one.
That gap is what Florida’s section 627.70131 addresses when it requires a written explanation of the basis in the policy, in relation to the facts. Reciting exclusions supplies the policy half and leaves out the facts half. A letter built this way is answerable in writing: which of the seven, observed where, by whom, on what date.
Florida DFS Civil Remedy Notice, filing no. 802564, accepted 1/21/2025, Palm Bay. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where on June 20, 2024 the insurer sent a coverage determination letter denying the claim. · 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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