| Carrier | Universal Property & Casualty Insurance Company |
|---|---|
| Arguments used | Pre-existing damage |
| 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 prior-claim denial says the damage is real and already accounted for. Nothing is excluded here on causation grounds; the position is that this roof was settled once and the insured is claiming it twice.
It is a factual assertion with a paper trail on both sides, which makes it more tractable than most. The prior claim has a date of loss, a scope, an estimate and a settlement, and the question is whether the damage now claimed is the same damage, on the same slopes, from the same event. Two storms can damage the same roof in different places, and a settlement that allowed for certain repairs does not establish that those repairs were made or that they covered what is now failing.
The practical step is to get the earlier file. What was scoped, what was paid, whether the work was completed and inspected, and whether the present damage sits inside or outside that scope. The carrier has both files; the policyholder is entitled to the one about their own property.
Florida DFS Civil Remedy Notice, filing no. 696656, accepted 5/25/2023, Orlando. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where a coverage determination was issued in which Universal stated this. · 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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