| Carrier | TypTap Insurance Company |
|---|---|
| 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. |
A recital of the exclusion, and according to the filing that is the entire content of the response.
The sentence is a quotation from the policy. It names eight things the policy does not cover and says nothing about this house: no inspection date, no observed condition, no measurement, no photograph referenced, no explanation of which of the eight applies. It would read identically in a letter to any insured in Florida.
That is the gap section 627.70131 addresses when it requires a reasonable explanation in writing of the basis in the policy, in relation to the facts. Reciting the policy supplies the first half. The relation to the facts is the half being asked for, and it is missing.
The filing’s own framing is that this arrived after prolonged inaction, which is the second issue. A delayed response that turns out to contain only the exclusion is worse for the policyholder than a prompt one, because the time spent waiting came out of the deadline that runs from the date of loss.
Florida DFS Civil Remedy Notice, filing no. 804833, accepted 2/3/2025, Port Saint Lucie. 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 this as a response that failed to justify the prolonged inaction, containing nothing more than these statements. · 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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