Nationwide: the letter that told the homeowner their policy covers ADD DETAILS ABOUT WHAT IS COVERED

The template instruction is still in the letter. Where the covered items should have been listed, the document says ADD DETAILS ABOUT WHAT IS COVERED, and it was sent to the policyholder that way.

It is worth being precise about what this does and does not prove. It does not prove the coverage decision was wrong. It does show that the letter went out without anyone completing the field that tells the insured what their policy covers, in a document Florida law requires to explain the basis for the determination in relation to the facts. A form that reaches a homeowner with its own instructions visible was not read by a person before it was sent.

The filing records something else about the same claim. An earlier letter valued the loss at $16,074.15 against a deductible stated as $31,148.00, and declined payment because the loss fell below it. On a hurricane deductible calculated as a percentage of the dwelling limit those figures are possible, and they are also the kind of numbers worth checking against the declarations page, because the deductible is the whole claim when the estimate lands beneath it.