A Civil Remedy Notice is a formal complaint filed against an insurance company with Florida's Department of Financial Services. Filing one is the step Florida law requires before a policyholder can sue an insurer for bad faith. It is a public record, and the insurer gets 60 days to fix the problem before that right opens up.
So this is the policyholder's side of a dispute, written by their side, and it is an allegation rather than a finding. The insurer answered it, and its answer is published below alongside the complaint. Read both. Names, addresses, and policy and claim numbers have been removed here; everything else is quoted from the filing.
| Who the filing is against | UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY (NAIC #10861) |
|---|---|
| Who filed it | The policyholder |
| Attorney of record | Alexis Cotten |
| Where the property is | Tampa, Florida |
| When it was accepted by the state | November 1, 2022 |
| When the 60-day cure window closed | December 31, 2022 |
| Why, in the state’s own categories | Claim Delay, Claim Denial, Unsatisfactory Settlement Offer, Unfair Trade Practice |
| Type of insurance | Residential Property & Casualty |
| Policy language at issue | A. Loss By Windstorm During A Hurricane With respect to Paragraphs B. and C. below, coverage for loss caused by the peril of windstorm during a hurricane which occurs anywhere in the state of Florida includes loss to: 1. The inside of a building; or 2. The property contained in a building caused by: a. Rain; b. Snow; c. Sleet; d. Hail; e. Sand; or f. Dust; if the direct force of the windstorm damages the building, causing an opening in a roof or wall and the rain, snow, sleet, hail, sand or dust enters through this opening. |
| Did the insurer respond | Yes, on November 18, 2022 |
On September 28, 2022 a tree fell and crashed into the insured's home. To date the insurer has not tarped the hole in the roof thereby leaving all contents of her home open to the elements. An agent of Universal came out and informed insured the home is no longer safe to live in and has since sent multiple checks but refuses to send a report of their inspection. Universal keeps sending checks that are below her coverage and failing to provide the policy coverages that said checks are to cover.
These are the statutes named on the form. The wording under each is the statute's own, as the state prints it on the notice.
| 624.155(1)(b)(1) | Not attempting in good faith to settle claims when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insured and with due regard for her or his interests. |
|---|---|
| 624.155(1)(b)(2) | Making claims payments to insureds or beneficiaries not accompanied by a statement setting forth the coverage under which payments are being made. |
| 626.9541(1)(i)(2) | A material misrepresentation made to an insured or any other person having an interest in the proceeds payable under such contract or policy, for the purpose and with the intent of effecting settlement of such claims, loss, or damage under such contract or policy on less favorable terms than those provided in, and contemplated by, such contract or policy. |
| 626.9541(1)(i)(3)(a) | Failing to adopt and implement standards for the proper investigation of claims. |
| 626.9541(1)(i)(3)(b) | Misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue. |
| 626.9541(1)(i)(3)(c) | Failing to acknowledge and act promptly upon communications with respect to claims. |
| 626.9541(1)(i)(3)(f) | Failing to promptly provide a reasonable explanation in writing to the insured of the basis in the insurance policy, in relation to the facts or applicable law, for denial of a claim or for the offer of a compromise settlement. |
| 626.9541(1)(i)(3)(i) | Failing to pay personal injury protection insurance claims within the time periods required by s. 627.736(4)(b). |
Filed with the state on November 18, 2022. This is the insurer's own written response to the complaint above, quoted from the same public record.
Florida DFS Civil Remedy Notice, filing number 654871. Read the filing on the state's site ↗
A Civil Remedy Notice records an allegation, not a finding. Nothing here has been decided by a court or by the Department. Not legal advice; consult an attorney about your specific claim.
A tree through the roof, a carrier’s own representative declaring the Tampa home unsafe to live in, and then, per the public filing, a stream of checks with no inspection report behind them and no explanation of what each check covers.
Unexplained partial payments are their own compliance failure. Florida requires the detailed estimate to reach the policyholder within 7 days of its creation and a written explanation of the basis for whatever is paid or denied; checks without a report invert the statute, making the policyholder reverse-engineer the carrier’s coverage position from deposit slips. The response is a written demand for the complete claim file and a per-payment accounting, because ALE, dwelling, and contents dollars carry different rules, and an uninhabitable home runs up additional living expenses on a clock the unexplained checks quietly ignore.
Fla. DFS Civil Remedy Notice, Filing No. 654871 (Glover v. Universal P&C), Tampa, FL · 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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