| Carrier | Garrison 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. |
Ten words, and the filing records them as the whole of it. Not the summary of the reasoning, the reasoning.
What makes this worth keeping is that the sentence contains no facts. It does not say what was inspected, when, by whom, or what condition was observed. It quotes an exclusion and stops. Read on its own, it could have been sent to any policyholder about any roof in Florida, which is the test of whether a denial letter has actually explained anything.
Florida’s section 627.70131 requires a written explanation of the basis in the policy in relation to the facts. This letter supplies the basis in the policy and omits the relation to the facts entirely. A homeowner holding one has a narrow and useful thing to ask for in writing: the inspection date, the inspector, the observed condition, and the photographs relied on.
Florida DFS Civil Remedy Notice, filing no. 811263, accepted 3/14/2025, Orlando. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the filing records this as the insurer's sole justification for the denial, a conclusory statement offered without substantive explanation. · 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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