| Carrier | Universal Property & Casualty Insurance Company |
|---|---|
| Arguments used | Below deductible |
| 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. |
Both numbers are in the letter, which is what makes it useful. Wind damage of $1,861.97. A deductible of $4,750.00. The gap is $2,888.03, and that gap is the entire claim.
Notice what is not in dispute. The loss is described as a wind loss and the damage as claimed damage related to it. There is no exclusion, no wear and tear finding, no argument about causation. The carrier has accepted a covered peril and produced a number beneath the retention.
Which means the whole case is the estimate, and the margin is small enough to be decided by a handful of line items: whether the scope covered every damaged elevation, whether undamaged materials that cannot be matched were included, whether disposal, access and permits were priced, and whether the repair method assumed is the one a contractor would actually use. A claim that fails by $2,888 fails on scope, not on coverage.
Florida DFS Civil Remedy Notice, filing no. 649973, accepted 10/4/2022, Delray Beach. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the letter first states that under the policy of insurance repair costs must exceed the applicable deductible. · 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.
Got a letter like this one?
Upload it. You'll get a straight answer on which argument the carrier is running, how the same argument has fared on the record, and what the strongest next move is.
The library grows one letter at a time. Letters shared with permission are published redacted, with the policyholder's details removed.
HURRICANELAW.PRO A comprehensive property-insurance claim resource for policyholders: denied and underpaid claims, coverage and bad-faith law, storm dossiers, carrier profiles, city guides, and the complete claims playbook. Florida and South Carolina.
▸ SEE THE FULL SITE MAP →Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only: they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Legal services are provided by Halversen Law. Nothing on this site is legal advice; consult an attorney about your specific claim.
Legal matters are handled by Halversen Law, a law firm licensed in Florida and South Carolina.