| Carrier | Universal Property & Casualty Insurance Company |
|---|---|
| Arguments used | Other |
| 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. |
The letter certifies itself. It states that the denial followed a good faith evaluation of the total circumstances, and invites the policyholder to write in if the evaluation of the facts is wrong.
Good faith is not something a party establishes by asserting it. In Florida it is a legal standard measured against conduct: whether the insurer investigated adequately, evaluated fairly, and explained its position as section 627.70131 requires. A sentence in the letter does not settle that question, and a Civil Remedy Notice is the mechanism by which it gets asked.
The invitation in the second sentence is the practical part, and it should be taken literally. Advise us in writing creates a record. A written response setting out what the evaluation missed, with the documents attached, puts the carrier on notice of specific facts, and what it does next with that notice is itself evidence of how it handles claims.
Florida DFS Civil Remedy Notice, filing no. 668837, accepted 1/19/2023, Sanford. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where Universal advised the insureds of this in the July 23, 2020 claim denial letter. · 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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