| 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. |
Twenty-two words, and they do everything a denial letter is asked to do. A finding of cause: wear and tear. A rule: the policy does not cover what is not a covered peril. Nothing else.
What is missing is the part Florida law asks for. Section 627.70131 requires a reasonable explanation of the basis in the policy, in relation to the facts, for the denial. This letter states a conclusion about the facts and a general proposition about coverage, and connects them with nothing: no inspection date, no observed condition, no policy provision quoted, no report enclosed or referenced.
That absence is the practical opening. A policyholder holding a letter this short can ask, in writing, for the specific policy language relied on, the adjuster’s report, and the photographs. What comes back is either the reasoning the letter omitted, or evidence that there was not much.
Florida DFS Civil Remedy Notice, filing no. 804984, accepted 2/4/2025, Boca Raton. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where by letter dated September 25, 2023 the insurer notified the insured that it was denying coverage for the loss. · 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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