Civil Remedy Notice of Insurer Violations
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Filing Number:     798888
Filing Accepted:  1/2/2025
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Complainant
Last/Business Name *  
DONALD   First Name   MARIA & DAVID
Street Address * 2099 LAKEHAVEN PT
City, State Zip * LONGWOOD, FL 32779
Email Address * MDONALD01@AOL.COM
Complainant Type: * Insured
Insured
Last/Business Name*   DONALD   First Name   MARIA & DAVID
Policy # * SIC3047295 Claim #* 202410007518
Attorney
Attorney is Applicable
Last Name* HUFFMAN First Name * SAMANTHA Initial M
Street Address* 2300 MAITLAND CENTER PARKWAY SUITE 106
City, State Zip* MAITLAND , FL 32751
Email Address * SHUFFMAN@SERRANOCAGAN.COM
Violation
Insurer Type *   Authorized Insurer Unauthorized Insurer
 
Insurer Name*   SLIDE INSURANCE COMPANY
NAIC Company Code 17227
 
Name of individual responsible for violation (if any):* JUSTIN DAIGLE
Type of Insurance * Residential Property & Casualty   
Reason for Notice *
Claim Denial
* 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.
624.155(1)(b)(3) Except as to liability coverages, failing to promptly settle claims, when the obligation to settle a claim has become reasonably clear, under one portion of the insurance policy coverage in order to influence settlements under other portions of the insurance policy coverage.
626.9541(1)(i)(3)(a) Failing to adopt and implement standards for the proper investigation of claims.
626.9541(1)(i)(3)(c) Failing to acknowledge and act promptly upon communications with respect to claims.
626.9541(1)(i)(3)(e) Failing to affirm or deny full or partial coverage of claims, and, as to partial coverage, the dollar amount or extent of coverage, or failing to provide a written statement that the claim is being investigated, upon the written request of the insured within 30 days after proof-of-loss statements have been completed.
626.9541(1)(i)(3)(f) Failing to promptly provide a reasonable explanation in writing to the insured of the basis in the insurance policy, in relation to the facts or applicable law, for denial of a claim or for the offer of a compromise settlement.
626.9541(1)(i)(3)(g) Failing to promptly notify the insured of any additional information necessary for the processing of a claim.
626.9541(1)(i)(3)(h) Failing to clearly explain the nature of the requested information and the reasons why such information is necessary.
626.9541(1)(i)(3)(i) Failing to pay personal injury protection insurance claims within the time periods required by s. 627.736(4)(b).
* Specific policy language that is relevant to the violation.
Enter all words or phrases (one at a time) that should be used to filter.

SECTION I – PROPERTY COVERAGE A. Coverage A – Dwelling (Entire Section) B. Coverage B – Other Structures (Entire Section) C. Coverage C – Personal Property (Entire Section) D. Coverage D – Loss of Use (Entire Section)
 
* 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 10/10/2024, ("Insured"), sustained a covered direct physical loss to Insured's property due to a weather-related incident. Insured reported the loss thereafter to SLIDE INSURANCE COMPANY ("Insurer"). Prior to the date of loss, Insurer issued a policy of insurance, believed to be policy # SIC3047295 which afforded coverage for the aforementioned property for losses caused by the covered peril. The policy was in full force and effect on the date of loss. The Insured promptly notified Insurer of the loss, who then assigned the loss claim # 202410007518. Insurer was fully afforded any and all opportunity to inspect the loss and document the loss. To date, Insurer has paid $0.00 to Insured on this claim even after numerous attempts by the Insured to provide documentation of additional damages and compensation owed. Insured had no choice but to retain legal representation on or about 12/10/2024, as the Insurer refused to pay the full amount due and owed to its Insured. Insurer has continually failed to negotiate this claim with Insured’s attorney and/or failed to provide a satisfactory settlement offer to resolve the subject claim. This has severely harmed the Insured's ability to remedy their losses and continue with repairs to the property. The only purpose for Insurer's refusal to negotiate the claim is to increase profits and harm their insured. This is either done intentionally as a pattern and practice of Insurer to deny coverage and harm their insureds, or Insurer has failed to properly train and supervise its adjusters to the harm and detriment of their insureds. This pattern and practice are done for only one reason, which again, is to maximize profits and harm their insureds. Insurer has violated the following statutory provisions: 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; 624.155(1)(b)(3): Except as to liability coverages, failing to promptly settle claims, when the obligation to settle a claim has become reasonably clear, under one portion of the insurance policy coverage in order to influence settlements under other portions of the insurance policy coverage. 626.9541(1)(i)(3)(a): Failing to adopt and implement standards for the proper investigation of claims. 626.9541(1)(i)(3)(c): Failing to acknowledge and act promptly upon communications with respect to claims; 626.9541(1)(i)(3)(e): Failing to affirm or deny full or partial coverage of claims, and, as to partial coverage, the dollar amount or extent of coverage, or failing to provide a written statement that the claim is being investigated, upon the written request of the insured within 30 days after proof-of-loss statements have been completed; 626.9541(1)(i)(3)(f): Failing to promptly provide a reasonable explanation in writing to the insured of the basis in the insurance policy, in relation to the facts or applicable law, for denial of a claim or for the offer of a compromise settlement. 626.9541(1)(i)(3)(g): Failing to promptly notify the insured of any additional information necessary for the processing of a claim. 626.9541(1)(i)(3)(h): Failing to clearly explain the nature of the requested information and the reasons why such information is necessary. 626.9541(1)(i)(3)(i): Unfair claim settlement practices, and any other applicable statutes to the factual allegations included herein. To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $456,450.71, less any applicable deductible and prior payment to the Insured, to complete the repairs for the Insured property. The payment shall be tendered to the Insured’s attorneys, Serrano Cagan & Cagan at 2300 Maitland Center Parkway, Suite 106, Maitland, Florida 32751.
Comments
User Id Date Added Comment
mthornton@slideinsurance.com 02-27-2025 Via E-mail & Posting on DFS Website Samantha Huffman, Esq. Serrano Cagan & Cagan 2300 Maitland Center Pkwy, Ste 106 Maitland, FL 32751 shuffman@serranocagan.com Complainant: Maria Donald and David Donald Insured: Maria Donald and David Donald Claim No: 202410007518 Policy No: SIC3047295 CRN Filing No.: 798888 Dear Samantha Huffman: Please allow this correspondence to serve as Slide Insurance Company’s (“Slide”)’s response to the Civil Remedy Notice (“CRN”) filed on behalf of Maria Donald and David Donald (“Insured”). The CRN was accepted by the Department on January 2, 2025. Without waiving any objections, and specifically subject to a reservation of all rights and defenses herein, Slide denies that it violated any Florida Statutes, rules, and/or regulations in its handling of this claim. Slide challenges the validity of the CRN as it fails to identify the specific policy terms the Insured claims Slide failed to follow and does not state any specific facts regarding the purported misconduct; in fact, the CRN does not have any details of the alleged damages, conduct underlying the raised violations, or individuals who would have knowledge of same. See, e.g., Julien v. United Prop. & Cas. Ins. Co., 311 So.3d 875, 879 (Fla. 4th DCA 2021); Demase v. State Farm Florida Insurance Company, 351 So.3d 136, 138-39 (Fla. 5th DCA 2022) (holding the trial court properly determined a civil remedy notice that failed to state with specificity the relevant policy language was legally insufficient). Thus, the CRN is deficient and should be returned by the Department. Slide issued a homeowners’ insurance policy to the Insured for property located at 2099 Lakehaven Point, Longwood, Florida, in effect for the period from June 28, 2024 to June 28, 2025 (the “Policy”). On October 10, 2024, the Insured filed a claim for damage to their property. Specifically, the Insured stated water was coming from the ceiling following Hurricane Milton. The date of loss was reported as October 9, 2024. Slide acknowledged receipt of the claim and assigned a licensed field adjuster as well as a roofing consultant, Precision Claim Solutions LLC (“PCS”), to complete an inspection of the loss. At the inspections, no evidence of wind or storm related damage was observed to the roof or exterior of the property. Rather, deterioration of the chimney flashing, prior repairs, and signs of age-related wear to the roofing system were documented. To date, neither the Insured nor their representatives have submitted any documentation to support their claim or otherwise notify Slide of the basis of their allegations. Slide maintains that it has acted in accordance with the terms of the subject insurance policy and the law in its adjustment of the claim. The facts and circumstances set forth in the CRN are misleading, vague, and incomplete. Despite the assertion in the CRN that Slide violated §§ 624.155(1)(b)(1), 624.155(1)(b)(3), 626.9541(1)(i)(3)(a), 626.9541(1)(i)(3)(c), 626.9541(1)(i)(3)(e), 626.9541(1)(i)(3)(f), 626.9541(1)(i)(3)(g), 626.9541(1)(i)(3)(h), and 626.9541(1)(i)(3)(i), Fla. Stats., the Insured has presented no evidence to support the allegations of claim denial or any other violations of Florida law. Thus, Slide categorically denies all violations of Florida Statutes or any other codes, regulations, and/or rules in its handling of the subject loss. In filing this response, Slide does not intend to waive any rights or defenses that it may have in law or the policy. Rather, Slide expressly reserves all such rights and defenses without exception or limitation. Should there be any questions or further inquiry with respect to this matter, please contact the undersigned at mthornton@slideinsurance.com. Sincerely, /s/ Marianne Thornton Marianne Thornton, Esq. Staff Counsel
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