| Carrier | State Farm Florida Insurance Company |
|---|---|
| Arguments used | Wear and tear · Mold and fungi |
| 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. |
The two halves of this letter have to hold together, and they are in tension. Outside, no storm damage was observed on the roof or the elevations. Inside, the inspection found long-term repeated leaks and mold.
If the interior has been taking water repeatedly over a long period, it has been coming through the envelope, and the envelope is the roof and the elevations the letter has just declared undamaged. Long-term leakage is itself evidence that something above the ceiling has been open, which is not what a finding of no observed damage would predict.
That does not make the denial wrong. Water enters buildings through plumbing, through failed flashing that is not storm damage, and through windows, and a leak of long standing is genuinely excluded whatever admitted it. But the letter asserts both propositions without reconciling them, and the reconciliation is where a policyholder’s case begins: what specifically is above the stain, and what condition is it in.
Florida DFS Civil Remedy Notice, filing no. 699456, accepted 6/9/2023, Miramar. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the claim determination letter is dated September 21, 2022 and recites the inspection observations. · 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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