| Carrier | United Property & Casualty Insurance Company |
|---|---|
| Arguments used | Wear and tear · 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. |
Zippering is the word to stop on. It describes a run of shingles that has unsealed and lifted in a line, and it is a recognised wind pattern: the wind gets under one tab, breaks the seal, and the failure propagates along the course like a zip opening.
The letter lists it among the findings and then assigns the whole group to mechanical damage, faulty installation, materials and age. Loose and unsealed shingles sit in the same list, and unsealing is likewise what wind does to a bond that was intact before the storm.
Thermal cracking and blistering genuinely are ageing and manufacturing mechanisms, so the list mixes two categories. That is the thing to separate on the roof: which observed conditions have a wind explanation and which do not, rather than accepting a single cause for all of them. This is a Cape Coral property, which took the eye wall of Hurricane Ian nine days before the filing was made.
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. 651248, accepted 10/13/2022, Cape Coral. The filing is not the letter: the passage below is the denial letter's own language as the policyholder quoted it, where the claimant was informed there was no wind damage to the roof, but that the roofing system revealed signs of. · 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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