| Carrier | QBE Specialty Insurance Company |
|---|---|
| Storm | Hurricane Ian (2022) |
| Date of loss | 2022-09-28 |
| Arguments used | Water exclusion · Other |
| What happened next | Suit filed; the complaint attacks the engineering inspection behind the letter and the wind-versus-flood attribution. The case was later remanded to state court. |
The two-sentence ending every full denial builds toward, quoted verbatim from an Estero Boulevard, Fort Myers Beach claim: no coverage for the claim, therefore denied under the policy. The address matters. This is a wind-only residential certificate on the barrier island Ian erased, where every denial is a wind-versus-water causation call by construction.
The complaint’s counterattack is the entry’s teaching point: it goes after the engineering inspection the letter rests on, alleging the forensic firm’s personnel were not properly licensed for the work. That is a distinctly Floridian move with teeth, because an engineering opinion is only admissible science if the person who signed it was authorized to practice it, and post-Ian litigation has made engineer credentials a standard discovery front. Before arguing with a denial’s conclusion, check who signed its foundation, their Florida license, their firm’s authorization, and whether the person who inspected is the person who signed.
Rosenbaum v. QBE Specialty Ins. Co., No. 2:24-cv-00541 (M.D. Fla.), Doc. 6 (free removed complaint quoting the denial letter) · 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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