| Carrier | Heritage Property & Casualty Insurance Company |
|---|---|
| Arguments used | Below deductible |
| 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. |
Most denials argue about cause. This one is a subtraction, and it is worth publishing precisely because the arithmetic is visible: a gross loss of $732.65, a deductible of $1,000.00, and a net amount recorded as below deductible.
Below deductible is the single most common way a Florida claim closes without payment, ahead of every exclusion argument in this archive. And it moves the fight from coverage to estimating. Nothing here says the damage was not from the storm or that the policy does not respond. It says the repair is worth less than the retention, so the policy never engages.
Which makes the estimate the only document that matters. A gross loss of $732.65 is one adjuster’s scope on one day. Whether it accounted for matching, for code-required upgrades, for access and disposal, and for the full extent of the damage rather than the visible part, is what determines whether the number clears $1,000 or not. On a claim this size the margin is a few line items.
Florida DFS Civil Remedy Notice, filing no. 650350, accepted 10/6/2022, Jacksonville. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the letter states that regrettably the amount of the claim falls under the $1,000.00 deductible, and sets out the calculation. · 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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