| Carrier | People's Trust Insurance Company |
|---|---|
| Arguments used | Pre-existing damage · 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 evidence for this denial is a document the carrier created itself, before it agreed to insure the property: an underwriting inspection completed March 12, 2018, noting a prior repair to the roof.
That cuts in a direction the letter does not acknowledge. An insurer that inspected a roof, recorded a prior repair, and then wrote the policy anyway has accepted the risk in the condition it found. Using the same inspection years later to establish that the roof was already compromised raises the question of what the inspection was for.
The finding is also narrower than the denial. A noted prior repair establishes that some part of the roof was worked on before 2018. It does not establish that the tiles cracked and broken in 2023 are the same tiles, in the same place, from the same cause. Cracked and broken tile is what wind does to a tile roof.
The practical step is to obtain that 2018 inspection in full, with its photographs. A document specific enough to be cited in a denial is specific enough to be read against it.
Florida DFS Civil Remedy Notice, filing no. 686982, accepted 4/6/2023, Hialeah. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the insurer notified the insured on February 16, 2023 that it was denying coverage for the loss, citing this. · 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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