Monarch National: coverage opened, $0.00 tendered

A Civil Remedy Notice is a formal complaint filed against an insurance company with Florida's Department of Financial Services. Filing one is the step Florida law requires before a policyholder can sue an insurer for bad faith. It is a public record, and the insurer gets 60 days to fix the problem before that right opens up.

So this is the policyholder's side of a dispute, written by their side, and it is an allegation rather than a finding. The insurer answered it, and its answer is published below alongside the complaint. Read both. Names, addresses, and policy and claim numbers have been removed here; everything else is quoted from the filing.

In Florida, the work of adjusting insurance claims engages the public trust. Monarch National Insurance Company has breached the public's trust by its adjustment of [name redacted] 's ("Insured") claim of loss. Monarch National Insurance Company underpaid the customer based on the estimate provided to Monarch National Insurance Company by the insured's public adjuster. Monarch National Insurance Company has opened coverage but falls below the insured's deductible. Monarch National Insurance Company has tendered $0.00. Our estimate for repairs to place the insured back to pre-loss condition totals $30,897.44 after deductible. Monarch National Insurance Company has placed their insured in a vulnerable financial position to force a lesser settlement. Monarch National Insurance Company has failed to create and implement adequate guidelines for the proper investigation and evaluation of claims, claims handling, and for training and supervision of employees resulting in statutory violations as set forth above in paragraph No. 5. Monarch National Insurance Company has failed and/or refused to thoroughly, accurately, and completely investigate and evaluate the Insured's insurance claim for damages. Notwithstanding the Insured's timely notification to Monarch National Insurance Company of the insurance claim, Monarch National Insurance Company has failed or refused to settle the Insured's claim in a timely manner and/or adjust the loss with the Insured. Monarch National Insurance Company has failed to promptly settle its Insured's insurance claim when the obligation to settle the insurance claim had become reasonably clear. To date, notwithstanding the Insured's pleas otherwise, Monarch National Insurance Company has continued to refuse to acknowledge its obligation to conduct a proper investigation, and to tender the insurance monies due and owing its Insured under the policy. This claim involves the Insured's property located at [address redacted]ive Wimauma, FL which suffered a sudden loss caused by hurricane on or about 9/28/2022. The Insured made application for insurance benefits under the Policy no. [redacted], under Claim no. [redacted]. Monarch National Insurance Company partially accepted coverage for the loss, however, has failed to pay the full amount of benefits due to the Insured. The insureds utilized the services of a licensed public adjuster who inspected the insureds' property and determined that the loss was a covered loss and had caused $30,897.44 in damages after the deductible. The insureds' public adjuster prepared an estimate for the insureds using XACTIMATE software that incorporated standard industry pricing and accurately reflects the repairs necessary to return the insureds' property to its pro-loss condition. The Insured was, and still is, forced to expend out of pocket monies to submit the insurance claim, e.g., retaining legal counsel and other experts to force Monarch National Insurance Company to honor its obligations under the insurance policy and to pay all the insurance proceeds due and owing to the Insured. Monarch National Insurance Company adjusted the loss and tendered insurance benefits of $0.00 and has refused and/or failed to tender additional insurance proceeds due and owing to the Insured. Monarch National Insurance Company's refusal and/or failure to settle the insurance claim when under all circumstances it could have and should have done so had it acted fairly and honestly towards its Insured is wrongful conduct. Furthermore, the Insured contends that Monarch National Insurance Company's adjusters and/or representatives financially benefit from such wrongful conduct. Therefore, to cure the defects outlined in this Civil Remedy Notice, Monarch National Insurance Company must: (1) Create and implement adequate guidelines for the proper investigation and evaluation of claims and for the training and supervision of employees, which will avoid future statutory violations as set forth above in paragraph No. 5, and prevent this from occurring in the future; (2) Monarch National Insurance Company must create and implement adequate guidelines for the proper investigation and evaluation of these type of claims and for the training and supervision of employees with regard to these claims to ensure that the claims handling procedure with regard to these types of losses are adequate to prevent other insureds from being treated unfairly and wrongfully; (3) Monarch National Insurance Company must tender to the Insured, $30,897.44, plus interest, fees and costs; and (4) Monarch National Insurance Company must act fairly and honestly towards its Insured and with due regard for the Insured's interests in attempting to settle its Insured's claim.

Florida DFS Civil Remedy Notice, filing number 657015. Read the filing on the state's site ↗

A Civil Remedy Notice records an allegation, not a finding. Nothing here has been decided by a court or by the Department. Not legal advice; consult an attorney about your specific claim.

Fla. DFS Civil Remedy Notice, Filing No. 657015 (Nelson v. Monarch National), Wimauma, FL · 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.