| Carrier | People's Trust Insurance Company |
|---|---|
| Arguments used | Wear and tear · Pre-existing damage |
| 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. |
Read the qualifier before the reasons. But without limitation means the carrier is not committing to the list it is about to give, which is close to the opposite of what a denial letter is required to do: state the basis in the policy, in relation to the facts, for the denial.
The reasons themselves are the standard pair. Outside, the damage is attributed to faulty, inadequate or defective workmanship, maintenance and wear and tear. Inside, the same filing records the carrier stating that the interior damages are pre-existing to policy inception and specifically excluded.
Pre-existing to policy inception is a stronger claim than it looks, and it carries a burden. It asserts the damage was present on a date certain, before the policy began, which is a factual proposition the carrier can be asked to support: the underwriting inspection at inception, the prior carrier’s file, dated aerial imagery of the roof. A homeowner is entitled to ask what the insurer relied on to place the damage in time.
Florida DFS Civil Remedy Notice, filing no. 785477, accepted 10/2/2024. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the letter explained the damages found, the facts provided, and the pertinent provisions and coverages of the policy. · 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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