| Carrier | People's Trust Insurance Company |
|---|---|
| Arguments used | Seepage · Mold and fungi |
| 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 denial chains two exclusions together, and the order matters. Long-term seepage is excluded; the seepage is said to have caused the fungi growth; therefore the mold is excluded as well. The mold is refused not on its own terms but as the downstream consequence of a water loss the carrier has already characterised as gradual.
That structure is common and it is where the argument sits. If the underlying water was in fact sudden and accidental rather than long-term, both halves of the chain fail together. Duration is doing all the work, and duration is evidence: when the leak began, what the moisture readings show, whether the material degradation is gradual or concentrated.
But without limitation appears here too, as it does in this carrier’s other letters in this archive. It signals that the grounds given are not the only grounds the insurer may later rely on, which is close to the opposite of the specific written explanation Florida asks a denial to provide.
Florida DFS Civil Remedy Notice, filing no. 792831, accepted 11/18/2024, Orange City. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the carrier denied the claim after reviewing the documents and information submitted. · 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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