| Carrier | Lexington Insurance Company (AIG) |
|---|---|
| Storm | Storm-attribution dispute (Irma 2017, Eta 2020) |
| Date of loss | 2021-04-11 |
| Letter date | 2022-05-10 |
| Arguments used | Pre-existing damage · Underpayment |
| What happened next | The homeowner sued in the Southern District of Florida; the entire letter, with the policy language it applied, is a free public exhibit. |
The archive’s second complete letter, all ten pages free in the federal record: an AIG-side coverage determination on a Miami Beach HO-3 that attributes the damage across two decades of weather, the 2004 and 2005 storm seasons, Hurricane Irma in 2017, and Eta in 2020, then pays $12,858.50 for whatever remained.
The quoted sentence is the specimen within the specimen. “The ensuing damages that our experts think might have been related to a past windstorm or rain event” performs certainty it does not contain: think, might have been, a past event unspecified. The attribution spreads the loss across enough storms that no single policy year owns it, and the existing-damage exclusion sweeps the remainder. Then the arithmetic: estimate minus holdback minus deductible, a net that answers a multi-year causation question with a four-figure check.
Read the whole document at the source link. Ten pages of exclusion quotation, expert hedging, and deduction math, ending in a number, is what the anatomy guide’s template looks like at full length, and having it complete and citable is why court exhibits anchor this library.
Villamar v. Lexington Ins. Co., No. 1:23-cv-20325 (S.D. Fla.), Doc. 1-4, Exhibit B (pp. 96-105): the complete coverage-determination letter, 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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