| Carrier | Olympus Insurance Company |
|---|---|
| Arguments used | 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 filing records that the coverage decision rests on a consultant’s findings rather than the carrier’s own adjuster. That is worth noting whenever it appears, because it tells a policyholder which document actually decides the claim.
The report is the thing to request. A denial that relies on an outside engineer or consultant is only as strong as the report behind it, and that report has a scope, a date, a method and an author, all of which are open to question. Whether the consultant went on the roof or assessed from the ground, whether they were given the storm date, and whether they were asked to determine cause or merely to describe condition are all answerable from the document itself.
Screens and downspouts are the named items. Screen enclosures are among the most wind-vulnerable structures on a Florida property and among the most commonly attributed to age, which makes them a frequent site of exactly this disagreement.
Florida DFS Civil Remedy Notice, filing no. 796916, accepted 12/16/2024, Port Saint Lucie. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the determination relies on the findings of a third-party consultant. · 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.
Got a letter like this one?
Upload it. You'll get a straight answer on which argument the carrier is running, how the same argument has fared on the record, and what the strongest next move is.
The library grows one letter at a time. Letters shared with permission are published redacted, with the policyholder's details removed.
HURRICANELAW.PRO A comprehensive property-insurance claim resource for policyholders: denied and underpaid claims, coverage and bad-faith law, storm dossiers, carrier profiles, city guides, and the complete claims playbook. Florida and South Carolina.
▸ SEE THE FULL SITE MAP →Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only: they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Legal services are provided by Halversen Law. Nothing on this site is legal advice; consult an attorney about your specific claim.
Legal matters are handled by Halversen Law, a law firm licensed in Florida and South Carolina.