| Carrier | United Property & Casualty Insurance Company |
|---|---|
| Arguments used | Wear and tear · Wind-driven rain |
| 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. |
Two denials in one paragraph, joined at a single point. The tile is refused as wear, installation deficiencies and foot traffic. The interior is refused because no storm-created opening was found. The second depends on the first: if the roof did open, interior water has its route.
Foot traffic is worth interrogating whenever it appears. Someone walked on the tile, and tile breaks underfoot, so the question is whose feet and when. Adjusters and inspectors walk roofs during a claim. So do the carrier’s own engineers. A finding of foot-traffic damage after several inspections is not self-evidently a finding about the homeowner’s roofer.
The filing also records that this is the insurer standing on an original partial denial after being asked to reconsider, which is its own data point: the reconsideration produced no change.
United Property & Casualty was declared insolvent in 2023 and its Florida policyholders were moved to the Florida Insurance Guaranty Association.
Florida DFS Civil Remedy Notice, filing no. 652135, accepted 10/19/2022, Longwood. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the insurer advised it would be standing on its original partial 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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