| Carrier | State Farm Florida Insurance Company |
|---|---|
| Arguments used | Wear and tear · Pre-existing damage |
| 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 letter’s reasoning, as the filing records it, is that the kitchen damage came from wear, tear, deterioration and corrosion across multiple weather events and cannot be attributed to a single event, and that damage occurring over a period of time from multiple storms is not covered.
That is a real coverage principle and also a convenient one. Florida gets storms every year, so almost any roof over almost any older kitchen has seen several. If damage becomes uncoverable merely because more than one storm has passed over it, the exclusion swallows the coverage. What the policy actually excludes is deterioration over time, not damage from a covered event that happens to sit on an older building.
The timing is worth recording. The filing states the adjuster inspected on April 8, 2024, and the denial letter is dated April 8, 2024. Inspection and coverage decision on the same day.
Florida DFS Civil Remedy Notice, filing no. 801869, accepted 1/17/2025, Miami Lakes. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the claim was denied by letter dated April 8, 2024, the same day the adjuster inspected and observed long-term damages. · 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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