| Carrier | State Farm Florida 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. |
Two causes for two kinds of damage, and neither is the storm. The water is attributed to worn roof flashing leaking over a long period. The cracks are attributed to the building settling.
Flashing is a precise and useful finding. It is the metal at the joints where a roof meets a wall, a chimney, or a valley, and it is the most common place a roof leaks. It is also a small, photographable component: whether it has corroded and pulled away over years, or been lifted and displaced by wind, is visible on inspection and looks different in each case.
Settlement cracks in drywall is the second, separate proposition. Settlement produces characteristic geometry, generally diagonal from the corners of openings and tracking the foundation, and it is slow. Drywall cracking after a storm can also come from the structure being loaded by wind for hours. A letter assigning both the water and the cracks to non-covered causes is making two findings, and each stands or falls on its own evidence.
Florida DFS Civil Remedy Notice, filing no. 694923, accepted 5/15/2023, Longwood. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the letter states the roof damage was not caused by a covered cause of loss and that the interior damage. · 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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