| Carrier | Truck Insurance Exchange |
|---|---|
| Arguments used | Wear and tear |
| 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. |
Two short findings and a qualifier. No wind damage noted. Wear and tear present. No coverage, based on the facts known to us at the present time.
That qualifier is doing more than it looks. It concedes that the facts known are incomplete, which is an unusual thing for a denial to say about itself, and it is also the opening. A determination expressly limited to present knowledge invites new facts, and new facts are obtainable: an independent roof inspection, wind data for the address on the date of loss, and the contractor’s assessment of the damage pattern.
The letter also encloses the carrier’s estimate and was sent to a public adjuster rather than to the homeowner directly, which means a professional was already engaged. Where a claim is being handled by a public adjuster and still ends in a two-line causation finding, the dispute is usually about who inspected the roof and how, rather than about what the policy says.
Florida DFS Civil Remedy Notice, filing no. 685305, accepted 3/28/2023, Orlando. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the insurer sent a Claim Outcome Letter to the public adjuster, enclosing a copy of its estimate. · 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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