| Carrier | Tower Hill Prime Insurance Company |
|---|---|
| Arguments used | Seepage · 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. |
There is physical evidence here and the carrier has it: a section of pipe with a nail through it, photographed, cut out by the plumber and logged by the mitigation company.
The denial is not about whether the pipe leaked. It is about when the nail went in, and the letter answers that with an inference rather than a finding: this appears to have been done by your builder 2 years ago. Appears is doing the work. Two years is a specific claim about timing that decides coverage, because a leak that began at construction is a long-term seepage loss and a pipe that failed recently may not be.
What could establish the timing is available. Corrosion around the puncture, the extent of staining and material degradation in the wall, the construction date and the plumbing rough-in inspection records, and the water bills, which show when consumption rose. The carrier’s own reference to water usage records in other files of this kind shows the industry knows where to look.
Florida DFS Civil Remedy Notice, filing no. 650219, accepted 10/5/2022, Lakewood Ranch. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where Tower Hill made a coverage determination on June 11, 2019 stating this. · 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.
Got a letter like this one?
Upload it. You'll get a straight answer on which argument the carrier is running, how the same argument has fared on the record, and what the strongest next move is.
The library grows one letter at a time. Letters shared with permission are published redacted, with the policyholder's details removed.
HURRICANELAW.PRO A comprehensive property-insurance claim resource for policyholders: denied and underpaid claims, coverage and bad-faith law, storm dossiers, carrier profiles, city guides, and the complete claims playbook. Florida and South Carolina.
▸ SEE THE FULL SITE MAP →Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only: they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Legal services are provided by Halversen Law. Nothing on this site is legal advice; consult an attorney about your specific claim.
Legal matters are handled by Halversen Law, a law firm licensed in Florida and South Carolina.