| Carrier | Kin Interinsurance Network |
|---|---|
| Arguments used | Seepage · 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. |
The sentence contains its own difficulty. It says wear and tear caused the line to collapse, and the collapse caused water damage to the home. So the letter accepts that a collapse happened and that the collapse damaged the house, and denies on the grounds that the collapse had a gradual cause.
A collapse is an event. Most Florida homeowners forms exclude replacing the deteriorated component and cover the resulting water damage as an ensuing loss, which is why the wording of the ensuing-loss provision is the first thing to read against a letter like this. The distinction is between paying for the drain line and paying for the floor it ruined.
The filing notes this is the first of two reasons given. When a denial offers more than one ground, each has to stand independently, and a policyholder answering only the loudest one leaves the other in place.
Florida DFS Civil Remedy Notice, filing no. 660490, accepted 12/8/2022, St. Petersburg. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the claims determination letter offers two reasons for the denial, of which this is the first. · 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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