| Carrier | Heritage Property & Casualty Insurance Company |
|---|---|
| Arguments used | Wind-driven rain · 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. |
A roof claim can be refused twice over, and this letter does it. Inside, there is no coverage because no storm-created opening was found. Outside, there is no coverage because no evidence of wind was found.
The two findings depend on each other, which is the weakness in stating both. Interior water gets in through an opening; if the letter is right that no wind damaged the roof, the interior water needs some other route, and the letter does not name one beyond design, workmanship and maintenance. If the roof did open, the interior finding collapses with it.
The filing also records that the insurer reviewed prior claims to investigate overlapping damages. That is worth knowing a letter can rest on: a previous claim on the same building becomes the alternative explanation for present damage, whether or not the two involve the same slope or the same room.
Florida DFS Civil Remedy Notice, filing no. 798285, accepted 12/26/2024, Tampa. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where Heritage explained this in the coverage determination letter, having reviewed prior claims to investigate overlapping damages. · 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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