| Carrier | Olympus Insurance Company |
|---|---|
| Arguments used | Below deductible · Wind-driven rain |
| 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. |
No exclusion is argued here at all. The carrier accepts the loss, calls it ensuing water damage resulting from wind-driven rain, estimates the repairs, and pays nothing because the estimate does not clear the hurricane deductible.
That is worth putting next to the wind-driven rain denials elsewhere in this archive. In those, the carrier refuses to accept the causation. Here it accepts it, and the outcome for the homeowner is the same, because a Florida hurricane deductible is a percentage of the dwelling limit rather than a flat sum and can run to five figures on an ordinary house.
So the only live question on a letter like this is the number. The estimate is enclosed, which means it can be read line by line: what scope was assumed, whether matching was priced, whether code-required upgrades were included, and whether the ensuing water damage was followed into the cavities or only priced at the surface. Ft. Myers, and the determination is dated three weeks after Ian.
Florida DFS Civil Remedy Notice, filing no. 696866, accepted 5/26/2023, Ft. Myers. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the October 23, 2022 claim determination letter explained the coverage in these terms. · 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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