| Carrier | Tower Hill Insurance Group |
|---|---|
| Arguments used | Wear and tear |
| What happened next | Public consumer review; quoted as a pattern example, not a verified claim file. |
The shortest letter in the library: normal wear, no repair, no replacement. One sentence carrying a full denial, as a policyholder reports it in a public review.
“Normal wear” is the single most common ground on Florida roof denials, and the one-sentence version fails the statutory floor on its face: Florida requires a reasonable written explanation of the basis in the policy applied to the facts, which means the specific exclusion text and the specific inspection findings, not a two-word conclusion. The first response to a letter like this is a written demand for both.
This consumer-reported example pairs with the same carrier’s Ian-era Civil Remedy filing in this library, where the initial letter accepted the small items and denied the roof before a revised letter paid $33,455.18. The pattern and its ceiling, both on the record.
BBB customer review of Tower Hill (Gainesville profile, Dec. 18, 2025); the reviewer reports the carrier's stated ground · 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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