| Carrier | Truck Insurance Exchange |
|---|---|
| Arguments used | Wear and tear · Cosmetic |
| 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 finding is precise: corner cracks and chips, attributed to tiles slipping, described as normal for a tile roof, and expressly not caused by wind.
Precision invites a precise answer. Tile slips for two reasons, and they leave different evidence. Fasteners that were never adequate let tile creep downslope over years, and the movement is gradual, general, and worst on the steepest planes. Wind uplift lifts and drops tile, which chips corners where they land and leaves the pattern concentrated on the elevations that faced the storm. Which pattern is present is visible from the roof and from the ground with a long lens.
The filing adds a point about who reached the conclusion, recording that the insurer decided causation without retaining anyone qualified to opine on it. That is the policyholder’s characterisation rather than the carrier’s, but it identifies the right question: a causation finding is an expert finding, and the file either contains an expert report or it does not. Asking which is the first move.
Florida DFS Civil Remedy Notice, filing no. 686157, accepted 3/31/2023, Fort Myers. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the filing records that the insurer reached this conclusion without retaining anyone capable of formulating opinions on causation. · 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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