| Carrier | Kin Interinsurance Network |
|---|---|
| Arguments used | Other |
| 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 tarp is what a homeowner is told to put on a roof after a storm, and it has to be fastened to stay on. This denial holds that the holes made by those fasteners are not covered damage.
The position has a certain internal logic and a serious problem. Florida policies impose a duty on the insured to protect the property from further damage after a loss, and a tarp is the ordinary way to discharge it. Damage caused while reasonably performing a duty the policy requires is not usually treated as a separate uncovered event, and most forms pay the reasonable cost of those emergency measures outright.
The filing’s own framing is the second point, and it is statutory: the letter simply states its conclusion, without the reasonable explanation of the basis in the policy, in relation to the facts, that section 627.70131 requires. A one-line denial of tarp fastener holes leaves the homeowner unable to tell which provision was applied.
Florida DFS Civil Remedy Notice, filing no. 808332, accepted 2/25/2025, Kissimmee. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the letter simply states this, without a reasonable explanation of the basis in the policy in relation to the facts. · 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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