| Carrier | SafePoint Insurance Company |
|---|---|
| Arguments used | Wear and tear · Seepage |
| 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. |
This is the kitchen-sink denial, and it is worth reading for its structure rather than its conclusion. One sentence names five separate grounds: wear and tear, age-related damage, deterioration, faulty or inadequate workmanship, and maintenance. A second sentence adds a sixth, constant or repeated seepage.
Six exclusions is not six reasons. It is one reason repeated, and it tells the reader the carrier has decided the roof is old rather than damaged. Florida law asks for more than a list: section 627.70131 requires the insurer to give a reasonable explanation in writing of the basis in the policy, in relation to the facts, for the denial. A paragraph that recites exclusions without tying any of them to a finding at this property has supplied the label and withheld the reasoning.
The timing is part of the record too. The filing states the letter went out two months after the field adjuster’s inspection.
Florida DFS Civil Remedy Notice, filing no. 787510, accepted 10/18/2024, Apopka. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where a field adjuster went to the home and the denial letter was sent two months after the inspection. · 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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