| Carrier | Security First Insurance Company |
|---|---|
| Arguments used | Seepage · Other |
| 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 one is unusually clear, and it is a partial denial rather than a refusal. The carrier accepts the loss: water escaped from a p-trap under the kitchen sink, and sudden and accidental discharge from a plumbing system is covered. What it excludes is the p-trap itself.
That distinction is standard in homeowners forms and routinely surprises people. The policy pays to repair what the water ruined, the cabinet, the floor, the drywall, and does not pay to replace the failed component that released it. The plumbing repair is the homeowner’s; the water damage is the carrier’s.
Which makes the number, not the coverage position, the thing to examine in a letter like this. Once a covered discharge is conceded, the dispute moves to scope: how far the water travelled, what it got into under the cabinets and behind the toe-kick, whether the flooring can be repaired in a way that matches, and what the moisture readings showed on the day.
Florida DFS Civil Remedy Notice, filing no. 806600, accepted 2/12/2025, Winter Haven. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where a coverage determination letter was sent to the insured. · 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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