Civil Remedy Notice of Insurer Violations
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Filing Number:     787719
Filing Accepted:  10/21/2024
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Complainant
Last/Business Name *  
WEKIVA COUNTRY CLUB VILLAS, HOMEOWNERS' ASSOCIATION, INC.   First Name  
Street Address * 686 N. HUNT CLUB BLVD.
City, State Zip * LONGWOOD, FL 32779
Email Address * WITHHELD
Complainant Type: * Insured
Insured
Last/Business Name*   WEKIVA COUNTRY CLUB VILLAS, HOMEOWNERS' ASSOCIATION, INC.   First Name   GREGORY
Policy # * CRP0000431-02 Claim #* ICAT-2022-V-0000030636
Attorney
Attorney is Applicable
Last Name* GREENBERG First Name * GREGORY Initial N.
Street Address* 350 N. LAKE DESTINY RD.
City, State Zip* MAITLAND , FL 32751
Email Address * GGREENBERG@ITSABOUTJUSTICE.LAW
Violation
Insurer Type *   Authorized Insurer Unauthorized Insurer
 
Insurer Name*   CENTAURI SPECIALTY INSURANCE COMPANY
NAIC Company Code 12573
 
Name of individual responsible for violation (if any):* UNKNOWN
Type of Insurance * Commercial Property & Casualty   
Reason for Notice *
Unfair Trade Practice
Other : Failure to pay undisputed benfits
* Statutory provision(s) which the insurer allegedly violated.
 
624.155(1)(b)(1) Not attempting in good faith to settle claims when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insured and with due regard for her or his interests.
624.401(4)(b)(3) However, any person acting as an insurer without a valid certificate of authority who violates this section commits insurance fraud, punishable as provided in this paragraph. If the amount of any insurance premium collected with respect to any violation of this section 3 is $100,000 or more, the offender commits a felony of the first degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, and the offender shall be sentenced to a minimum term of imprisonment of 2 years.
626.9541(1)(i)(4) Failing to pay undisputed amounts of partial or full benefits owed under first-party property insurance policies within 60 days after an insurer receives notice of a residential property insurance claim, determines the amounts of partial or full benefits, and agrees to coverage, unless payment of the undisputed benefits is prevented by factors beyond the control of the insurer as defined in s. 627.70131(5).
* Specific policy language that is relevant to the violation.
Enter all words or phrases (one at a time) that should be used to filter.

A. Coverage We will pay for direct physical loss of or damage to Covered Property at the premises described in the Declarations caused by or resulting from any Covered Cause of Loss. 1. Covered Property Covered Property, as used in this Coverage Part, means the type of property described in this section, A.1., and limited in A.2., Property Not Covered, if a Limit of Insurance is shown in the Declarations for that type of property. a. Building, meaning the building or structure described in the Declarations, including: (1) Completed additions; (2) Fixtures, outside of individual units, including outdoor fixtures; (3) Permanently installed: (a) Machinery; and (b) Equipment; 4. Loss Payment a. In the event of loss or damage covered by this Coverage Form, at our option, we will either: (1) Pay the value of lost or damaged property; (2) Pay the cost of repairing or replacing the lost or damaged property, subject to b. below; (3) Take all or any part of the property at an agreed or appraised value; or (4) Repair, rebuild or replace the property with other property of like kind and quality, subject to b. below. We will determine the value of lost or damaged property, or the cost of its repair or replacement, in accordance with the applicable terms of the Valuation Condition in this Coverage Form or any applicable provision which amends or supersedes the Valuation Condition. FLORIDA CHANGES - RESIDENTIAL CONDOMINIUM ASSOCIATIONS This endorsement modifies insurance provided under the following: CONDOMINIUM ASSOCIATION COVERAGE FORM SCHEDULE Condominium Additional Building Property Premises Number Building Number Additional Covered Property Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A.Building section is replaced by the following: 1.Building, meaning the building or structure described in the Declarations, including: a.Additions, alterations and repairs; b.Fixtures, outside of individual units, including outdoor fixtures; c.Permanently installed: (1)Machinery; and (2)Equipment; d.Personal property owned by you that is used to maintain or service the building or structure or its premises, including: (1)Fire extinguishing equipment; (2)Outdoor furniture; (3)Floor coverings; and (4)Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering that are not contained within individual units; ORDINANCE OR LAW COVERAGE This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM CONDOMINIUM ASSOCIATION COVERAGE FORM STANDARD PROPERTY POLICY SCHEDULE* Bldg. No./ Prem. No. Cov. A Cov. B Limit Of Insur. Cov. C Limit Of Insur. Cov. B And C Combined Limit Of Insur. 1 / 1 X $ $ $ 19,053 2 / 1 X $ $ $ 19,053 3 / 1 X $ $ $ 25,801 *Information required to complete the Schedule, if not shown on this endorsement, will be shown in the Declarations. **Do not enter a Combined Limit of Insurance if individual Limits of Insurance are selected for Coverages B and C, or if one of these Coverages is not applicable. A. Each Coverage – Coverage A, Coverage B and Coverage C – is provided under this endorsement only if that Coverage(s) is chosen by entry in the above Schedule and then only with respect to the building identified for that Coverage(s) in the Schedule. B. Application Of Coverage(s) The Coverage(s) provided by this endorsement apply only if both B.1. and B.2. are satisfied and are then subject to the qualifications set forth in B.3. 1. The ordinance or law: a. Regulates the demolition, construction or repair of buildings, or establishes zoning or land use requirements at the described premises; and b. Is in force at the time of loss. But coverage under this endorsement applies only in response to the minimum requirements of the ordinance or law. Losses and costs incurred in complying with recommended actions or standards that exceed actual requirements are not covered under this endorsement. 2.a. The building sustains direct physical damage that is covered under this policy and such damage results in enforcement of the ordinance or law; or b. The building sustains both direct physical damage that is covered under this policy and direct physical damage that is not covered under this policy, and the building damage in its entirety results in enforcement of the ordinance or law. c. But if the building sustains direct physical damage that is not covered under this policy, and such damage is the subject of the ordinance or law, then there is no coverage under this endorsement even if the building has also sustained covered direct physical damage. 3. In the situation described in B.2.b. above, we will not pay the full amount of loss otherwise payable under the terms of Coverages A, B, and/or C of this endorsement. Instead, we will pay a proportion of such loss; meaning the proportion that the covered direct physical damage bears to the total direct physical damage. POLICY NUMBER: CRP 0000431-02 COMMERCIAL PROPERTY CP 04 05 04 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ORDINANCE OR LAW COVERAGE This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM CONDOMINIUM ASSOCIATION COVERAGE FORM STANDARD PROPERTY POLICY SCHEDULE* Bldg. No./ Prem. No. Cov. A Cov. B Limit Of Insur. Cov. C Limit Of Insur. Cov. B And C Combined Limit Of Insur. 4 / 1 X $ $ $ 13,442 5 / 1 X $ $ $ 16,533 6 / 1 X $ $ $ 25,240 *Information required to complete the Schedule, if not shown on this endorsement, will be shown in the Declarations. **Do not enter a Combined Limit of Insurance if individual Limits of Insurance are selected for Coverages B and C, or if one of these Coverages is not applicable. A. Each Coverage – Coverage A, Coverage B and Coverage C – is provided under this endorsement only if that Coverage(s) is chosen by entry in the above Schedule and then only with respect to the building identified for that Coverage(s) in the Schedule B. Application Of Coverage(s) The Coverage(s) provided by this endorsement apply only if both B.1. and B.2. are satisfied and are then subject to the qualifications set forth in B.3. 1. The ordinance or law: a. Regulates the demolition, construction or repair of buildings, or establishes zoning or land use requirements at the described premises; and b. Is in force at the time of loss. But coverage under this endorsement applies only in response to the minimum requirements of the ordinance or law. Losses and costs incurred in complying with recommended actions or standards that exceed actual requirements are not covered under this endorsement. 2.a. The building sustains direct physical damage that is covered under this policy and such damage results in enforcement of the ordinance or law; or b. The building sustains both direct physical damage that is covered under this policy and direct physical damage that is not covered under this policy, and the building damage in its entirety results in enforcement of the ordinance or law. c. But if the building sustains direct physical damage that is not covered under this policy, and such damage is the subject of the ordinance or law, then there is no coverage under this endorsement even if the building has also sustained covered direct physical damage. 3. In the situation described in B.2.b. above, we will not pay the full amount of loss otherwise payable under the terms of Coverages A, B, and/or C of this endorsement. Instead, we will pay a proportion of such loss; meaning the proportion that the covered direct physical damage bears to the total direct physical damage. \ D. Coverage 1. Coverage A – Coverage For Loss To The Undamaged Portion Of The Building With respect to the building that has sustained covered direct physical damage, we will pay under Coverage A for the loss in value of the undamaged portion of the building as a consequence of enforcement of an ordinance or law that requires demolition of undamaged parts of the same building. Coverage A is included within the Limit of Insurance shown in the Declarations as applicable to the covered building. Coverage A does not increase the Limit of Insurance. CAUSES OF LOSS – SPECIAL FORM Words and phrases that appear in quotation marks have special meaning. Refer to Section G., Definitions. A. Covered Causes Of Loss When Special is shown in the Declarations, Covered Causes of Loss means Risks Of Direct Physical Loss unless the loss is: 1. Excluded in Section B., Exclusions; or 2. Limited in Section C., Limitations; that follow. 2. An appraisal of the loss, in writing. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the value of the property and amount of loss. If they fail to agree, they will submit their differences to the umpire. g. We will pay for covered loss or damage to Covered Property within 30 days after we receive the sworn proof of loss, if you have complied with all of the terms of this Coverage Part and: (1) We have reached agreement with you on the amount of loss; or (2) An appraisal award has been made.
 
* Facts and circumstances giving rise to the violation.
Enter all words or phrases (one at a time) that should be used to filter.

On or about November 9, 2022, Wekiva County Club Villas Homeowners Association, Inc. (“Insured”), suffered significant damage caused by Hurricane Nicole resulting in dozens of units with interior damages from leaking roofs. Insured is a residential condominium association with many retired residents who expected to enjoy their retirement but are now left picking up the pieces of their lives due to their insurance company’s outright refusal to honor its obligations and misrepresentation of information available to it. Prior to the loss, Centauri Specialty Insurance Company (“Centauri”) issued a policy of insurance (policy no.: CRP0000431-02) for Insured’s property. Said policy, which was in full force and effect on the date of loss, afforded coverage for damage caused by a hurricane and water that enters through a storm-created opening. Unfortunately, this is the second Civil Remedy Notice in relation to the damages suffered by Insured due to Hurricane Nicole. The prior Civil Remedy Notice (DFS filing no. 740527) details Centauri’s gross undervaluation of Insured’s claim. The purpose of this Civil Remedy Notice is to put Centauri on notice it still has not issued undisputed benefits to Insured in violation of Florida law. Centauri originally represented to Insured that Insured’s damages were below deductible on every single building, and, as a result, did not issue a penny to Insured. After demanding appraisal on July 7, 2023, Insured dutifully cooperated in the appraisal process for over 15 months incurring substantial costs to simply get what is owed to it. Finally, on October 15, 2025 Centauri was forced to issue payment to Insured in the amount of $2,582,294,48 after application of the deductible and withholding recoverable depreciation. Put another way, Centauri originally represented to its Insured that the damages to its property were $31,737.24 (replacement cost value). The replacement cost value appraisal award signed by a neutral umpire and Centauri’s own appraiser set the amount of loss at $3,426,647.77. Centauri’s original representation of what it owed is less than 1% of what it was forced to pay Insured through appraisal. This alone would shock any reasonable person, much less that Insured has wait for more than two years just to get its first undisputed payment on its claim. Florida Statute Section 627.70131(7)(a) (January 1, 2022) states in pertinent part: Any payment of an initial or supplemental claim or portion of such claim made 60 days after the insurer receives notice of the claim, or made after the expiration of any additional timeframe provided to pay or deny a claim or a portion of a claim made pursuant to an order of the office finding factors beyond the control of the insurer, whichever is later, bears interest at the rate set forth in s. 55.03. Interest begins to accrue from the date the insurer receives notice of the claim. The provisions of this subsection may not be waived, voided, or nullified by the terms of the insurance policy. If there is a right to prejudgment interest, the insured must select whether to receive prejudgment interest or interest under this subsection. Interest is payable when the claim or portion of the claim is paid. Failure to comply with this subsection constitutes a violation of this code. On September 20, 2024, Insured sent a correspondence to Centauri informing it that was electing statutory interest pursuant to 627.70131(7)(a). Centauri received notice of Insured’s supplemental request for benefits on July 7, 2023 and has failed to comply with Florida law by issue the statutory interest on the undisputed payment it made on October 15, 2024. In order to cure this Civil Remedy Notice, Centauri must issue statutory interest pursuant to Florida Statute Section 627.70131(7)(a). The payment should be provided to Insured’s counsel, Gregory N. Greenberg, Esq., at 350 N. Lake Destiny Road, Suite 300, Maitland, FL 32751. Centauri’s corporate address is 4081 Lakewood Ranch Blvd. Suite 200, Sarasota, FL 34240
Comments
User Id Date Added Comment
ggreenberg@itsaboutjustice.law 01-29-2025 This CRN is hereby withdrawn due to the parties reaching an amicable resolution.
sdc@kubickidraper.com 12-18-2024 Undersigned counsel and the law firm of Kubicki Draper represent Centauri Specialty Insurance Company (“CENTAURI”) with regard to the above-referenced claim. This shall serve as CENTAURI’s response to the “Civil Remedy Notice of Insurer Violations” (“CRN”), filed by or on behalf of “Complainant,” WEKIVA COUNTRY CLUB VILLAS HOMEOWNERS’ ASSOCIATION, INC. (hereinafter “Complainant” or “Insured”), with the Florida Department of Financial Services on October 21, 2024. CENTAURI issued Policy Number CRP 0000431-02 (the “Policy”) to WEKIVA COUNTRY CLUB VILLAS HOMEOWNERS’ ASSOCIATION, INC.(hereinafter “Policyholder”) for a property made up of 22 condominium buildings located at (the “Property”). The above-referenced claim was reported to CENTAURI following Hurricane Nicole. As the basis for filing the CRN against CENTAURI, Complainant asserts multiple allegations of failing to attempt in good faith to settle claims, failing to properly investigate, unfair claim settlement practices, and related allegations. The CRN alleges that CENTAURI has violated multiple provisions of §§624.155, 626.401 and 626.9541Fla. Stat., and/or has otherwise violated Florida law in handling this claim. As a starting point, CENTAURI expressly reserves any and all defenses and objections that may be available whether herein or in any lawsuit that may be filed. Any allegation under §626.401 that CENTAURI doesn’t hold a valid certificate of authority with the State of Florida is patently false, and borders on defamatory. Complainant is fully aware of the falseness of this allegation. Inclusion of this allegation further confuses the intent and ability to “cure” the CRN, and is also an additional basis for its invalidity. CENTAURI respectfully and categorically denies without limitation each and every allegation of Complainant within the CRN, including but not limited to the alleged violations of the cited provisions of Florida law. CENTAURI further denies any and all stated, implied, and/or unspecified allegations, including but not limited to denying any and all allegations of alleged improper claim handling, inadequate investigation, improper delay or denial, failing to adequately and promptly communicate, failing to provide reasonable explanations, failing to affirm or deny coverage, making misrepresentations, general business practices, unfair or deceptive trade practices, and/or unsatisfactory settlement offers or practices, and the like, whether or not specifically alleged by Complainant’s CRN. At no time has CENTAURI violated any applicable provision of Florida law in the handling of this claim. First, the CRN is invalid on its face as it lists the type of insurance as “Commercial Property and Casualty”. Policy CRP 0000431-02 is a Commercial Residential Property policy. CENTAURI further objects to the CRN, and the CRN is defective, because it lacks sufficient specificity, as required by §624.155(3)(b)2. Fla. Stat. The CRN contains generic and vague allegations without sufficiently specific facts. It also contains demands that are improper, ambiguous, vague or otherwise impermissible. For example, it fails to adequately identify or explain how CENTAURI violated the provisions of Florida law cited in the CRN, how the alleged violations relate to the facts of the specific claim, and/or what actions and amount(s) are being demanded to remedy the alleged violations. In fact, the entirety of the CRN’s purported factual basis consists of a few vague sentences which provide largely conclusory assertions. A CRN is not intended to leave the carrier to play a “guessing game” as to the basis for the violations being alleged or cure being demanded. Yet that is precisely what Complainant’s CRN does. The lack of specificity in the allegations deprives CENTAURI of any meaningful notice and ability to respond and renders the CRN invalid on its face. To be clear, again, as further discussed herein, CENTAURI denies Complainants’ allegations of inadequate investigation/evaluation, improper claim handling, failure to pay undisputed benefits and the like. The point here is that Complainants have crafted a CRN with demands which negate any meaningful ability to cure the alleged violations and which thereby render the “cure” provisions merely illusory. Defects such as these thwart the fundamental purpose of the CRN, which is to give the insurer the opportunity to “cure” the alleged violations within the 60-day statutory period. This is contrary to the purpose and requirements of Florida law, including the notice and safe harbor or “cure” provisions of §624.155, Fla. Stat., which are a necessary prerequisite to any future bad faith action against UPC. See, e.g., Talat Enterprises, Inc. v. Aetna Cas. & Sur. Co., 753 So. 2d 1278 (Fla. 2000). The CRN is additionally defective as the actions demanded to “cure” the alleged violations are improper. So CENTAURI is left to guess what claim the CRN is referencing and what claim the CRN is seeking to be paid under a “cure” as no amount is listed but rather just “interest” that is allegedly owed. This guessing required to “cure” the CRN renders it wholly invalid. Further, the CRN fails to acknowledge and identify that there is a bona fide dispute as to owing of interet. These types of purported cure provisions violate Florida law because section 624.155 does not impose on an insurer the obligation to pay whatever the insured demands. Rather, an insurer is only ever required to pay the contractual amount due under the policy and Florida law. Due to the lack of specificity and other defects, the CRN is invalid and cannot serve as a condition precedent to any action for alleged bad faith against CENTAURI under §624.155, Fla. Stat., or otherwise under Florida law. CENTAURI respectfully submits that its actions following the report of loss confirm that it has at all times handled this claim in good faith. For example, the following demonstrates CENTAURI’S good faith handling of this claim. The claim was reported December 14, 2022, and it was reported as wind damage related to Hurricane Nicole. A field adjuster was assigned and an inspection was done by Mike Mehr of Mills Mehr and Associates. Per the request of the insured for its roofer to attend the inspection, and to coordinate the inspection with an engineer from Envista, the inspection was scheduled for March 14 and 15, 2023. On May 8, 2023, the desk adjuster sent the insured a status letter advising that the damages found to be caused by the storm were less than the applicable deductible. On July 7, 2023, appraisal was demanded by counsel for the insured. After appraisal was completed, payment of $2,582,294.48 was issued to the insured. The Complainant has been made aware through their counsel that there is a bona fide dispute that interest is owed after payment of the appraisal award pursuant to Citizens Property Insurance Corporation v. Annette Peipert 388 So. 3d 240 (Fla. 3d DCA 2024). In Peipert appraisal award alone doesn’t entitle an insured to interest when coverage was never denied during the adjustment of the claim. The court held: Because Citizens did not deny coverage and timely paid the appraisal award within sixty days of the filing of the award, as required by the terms of the policy, Peipert was not entitled to prejudgment interest. See State Farm Fla. Ins. Co. v. Silber, 72 So. 3d 286, 290 (Fla. 4th DCA 2011) (“[A]n insured is not entitled to prejudgment interest when an insurer does not deny coverage, participates in the appraisal process, and timely pays the appraisal award.”); Jugo v. Am. Sec. Ins. Co., 56 So. 3d 94, 96 (Fla. 3d DCA 2011) (affirming the denial of prejudgment interest on an appraisal award and finding that the insurer had not denied coverage where “[t]he dispute turned on quantifying the covered loss, not the existence of coverage”); Green v. Citizens Prop. Ins. Corp., 59 So. 3d 1227, 1229 (Fla. 4th DCA 2011) (“Inasmuch as Citizens satisfied the appraisal award within sixty days of the filing *242 of the award, as required by the terms of the insurance contract, [the insured] was not entitled to prejudgment interest.”); Allstate Ins. Co. v. Blanco, 791 So. 2d 515, 517 (Fla. 3d DCA 2001) (finding the insureds were not entitled to prejudgment interest where “the insurance policy provisions allowed Allstate sixty days within which to pay the appraisal award and Allstate made payment within the allotted time”). Id. at 241 (emphasis added). The facts of the claim that is the subject of this CRN falls squarely into the Piepert precedent as well as those precedents cited within the Piepert case. In this claim, there was a dispute as to the scope and price of the covered loss, which was resolved in appraisal. The claim was never denied. The appraisal award was timely paid per the terms of the Policy. Interest is not owed on the appraisal amount as alleged by Complainant. Further, the Complainant fails to acknowledge that a separate claim for Hurricane Ian, date of loss September 28, 2022 and claim number ICAT-2023-V-0000031064 has been made for duplicate damages of those for Hurricane Nicole, date of loss November 8, 2022, claim number, ICAT-2022-V-0000030636. The Hurricane Ian claim was late reported by the insured. Complainant’s claim that it is entitled to interest is an attempt to extort further money under the guise of “undisputed benefits” owed as interest. During appraisal of the claim, four buildings were not included in the appraisal award- no damage was found to building ten, twelve, twenty, twenty-one, and twenty-two. The appraisal award did not include repair or replacement to the roofs on these buildings. The insured is using the guise of an alleged additional owed interest to try and gain payment for those buildings where no damage was found during appraisal. Complainant has included allegations of owed interest in a demand for further payment in order to claim an additional multiple six figure amount is owed on the claim, assumingly to try and avoid litigating damages for the five buildings not paid in appraisal by claiming bad faith in the handling of the appraisal payment, and to try and force resolution of the late reported Hurricane Ian claim without litigation. Additionally, the insured is attempting a double recovery of the same damages for Hurricane Ian and Hurricane Nicole. The Hurricane Ian claim and disputed five buildings not paid in appraisal related to Hurricane Nicole are currently scheduled for a pre-suit mediation in January 2025. CENTAURI questions that the subject CRN as well as a related Florida Department of Financial Services complaint filed by the insured is an attempt to gain leverage in ongoing settlement negotiations and the pending pre-suit mediation. Additionally, the subject CRN is purportedly the second filed related to claim ICAT-2022-V-0000030636, but the first CRN referenced by Complainant failed to identify the property claim number. The second CRN, is further confusing in that it references and incorporates an earlier filed CRN, which was invalid and failed to cite the correct claim number. The duplicate CRN filings further confuses what remedy and against which company Complainant makes allegations. Subject to and without waiving these denials and objections, and subject to and without waiving any other available defenses, CENTAURI states that it has not violated any applicable provision of Florida law in handling this claim or in any way related to this claim or in any litigation that may be related to this claim. Rather, CENTAURI has at all times acted in good faith, fairly, honestly and with reasonable diligence in its handling and investigation of the claim, including with regard to any payments and/or denials made with respect to the alleged losses, or in any way related to this matter, including any litigation that may be related to this claim. CENTAURI remains willing to review and consider any additional information which Complainant believes to be relevant to this matter and requests that any such additional information or documentation be provided immediately. CENTAURI will evaluate any additional information or documentation it receives in good faith. In any event, Complainant’s allegations in the CRN amount, at most, to a mere disagreement regarding the amount, price and scope of any alleged losses and/or the scope of coverage for the alleged losses. Disagreement regarding such matters is not bad faith and cannot serve as a basis for any future bad faith claim against CENTAURI. Accordingly CENTAURI objects to and denies the allegations of the CRN. The objections and denials herein are not necessarily exhaustive and this response shall not prevent CENTAURI from asserting any other appropriate objections, denials, and/or defenses related to this claim and/or CRN. Moreover, due to the objections and defects discussed herein, the Department should strike and/or reject the CRN as invalid. As a final matter, it should be emphasized that the subject policy issued by CENTAURI is governed by the policy’s terms, conditions, and exclusions together with any endorsements. This CRN response does not waive any such provisions of the policy. Furthermore, any action taken by or on behalf of CENTAURI or its authorized representative(s), whether in the past or future, to investigate the alleged loss, to adjust any claim or request for payment, or in any way related to or arising out of the subject claim or loss, shall not waive any of the terms, conditions, or any other provisions of the policy. Thank you for your time and attention in this matter. Please contact us if you have any questions or require additional information. STEFANIE D. CAPPS, ESQ.
Acknowledgement
* The submitter hereby states that this notice is given in order to perfect the rights of the person(s) damaged to pursue civil remedies authorized by Section 624.155, Florida Statutes.

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DFS-10-363
Rev. 10/14/2008