| Carrier | Hartford Insurance Company of the Midwest |
|---|---|
| Storm | Hurricane Ian (2022) |
| Date of loss | 2022-09-28 |
| Letter date | 2022-11-02 |
| Arguments used | Underpayment · Wind-driven rain |
| What happened next | First-party breach suit in the Middle District of Florida; the complaint and full policy are free in the record. |
Thirty-five days after Ian’s Charlotte County landfall, Hartford Midwest issued a coverage-determination letter on a Punta Gorda home reciting the standard formula, a complete and thorough investigation, and paying a fraction of what the homeowner’s contractors scoped for interior water intrusion.
The phrase is the tell the anatomy guide decodes: an investigation recital is one adjuster visit presented as a finding of fact, and it is checkable. The complaint quoting the letter and the complete policy behind it are both free in the federal record, which is what makes this entry useful: you can read the exact policy language the letter applied, side by side with what it left out.
Marchetti v. Hartford Ins. Co. of the Midwest, No. 2:24-cv-00152 (M.D. Fla.), Complaint with 86-page policy attachment (free) · 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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