Civil Remedy Notice of Insurer Violations
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Filing Number:     805333
Filing Accepted:  2/5/2025
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Complainant
Last/Business Name *  
GONZALEZ   First Name   SARA
Street Address * 1521 STACY DRIVE
City, State Zip * LAKELAND, FL 33801
Email Address * MCKENZIE@GREENLAWGRP.COM
Complainant Type: * Insured
Insured
Last/Business Name*   GONZALEZ   First Name   SARA
Policy # * SIC3023152 Claim #* SL24202884
Attorney
Attorney is Applicable
Last Name* GREEN First Name * PAUL Initial
Street Address* 8833 PERIMETER PARK BLVD SUITE 104
City, State Zip* JACKSONVILLE , FL 32216
Email Address * PAUL@GREENLAWGRP.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):* BRITTANY JACKSON AND ALL OTHER SUPERVISORS
Type of Insurance * Residential Property & Casualty   
Reason for Notice *
Claim Delay
Unsatisfactory Settlement Offer
Unfair Trade Practice
* 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)(2) A material misrepresentation made to an insured or any other person having an interest in the proceeds payable under such contract or policy, for the purpose and with the intent of effecting settlement of such claims, loss, or damage under such contract or policy on less favorable terms than those provided in, and contemplated by, such contract or policy.
626.9541(1)(i)(3)(a) Failing to adopt and implement standards for the proper investigation of claims.
626.9541(1)(i)(3)(b) Misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue.
626.9541(1)(i)(3)(c) Failing to acknowledge and act promptly upon communications with respect to claims.
626.9541(1)(i)(3)(d) Denying claims without conducting reasonable investigations based upon available information.
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.
* Specific policy language that is relevant to the violation.
Enter all words or phrases (one at a time) that should be used to filter.

See below
 
* Facts and circumstances giving rise to the violation.
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On or about January 9th, 2024, Sara Gonzalez (hereinafter “INSURED”), suffered damage to their property located at 1521 Stacy Drive, Lakeland, FL 33801. The property suffered extensive damage to the roof. SLIDE Insurance Company (hereinafter “SLIDE”) issued an insurance policy for the Insured’s property, Policy Number SIC3023152, which was in full force and effect on the date of the loss. The loss was the result of a significant windstorm. Shortly following the loss, the Insured retained the Green Law Group (hereinafter “FIRM”) to help expedite the claim to restore the property to its pre-loss condition. FIRM timely notified SLIDE of the damage sustained to the property and contemporaneously provided an estimate of the damage in the amount of $44,509.66. Despite demand for payment, SLIDE has failed or refused to pay full value to protect and return property to pre-loss conditions. SLIDE 's refusal to adequately and otherwise make INSURED whole, constitutes a breach of contract. As a result of SLIDE’s aforementioned breach of contract, it has become necessary for INSURED to retain the services of FIRM. SLIDE has engaged in customary business practice and a deliberate course of conduct to hinder resolution of its claims until they enter litigation. SLIDE regularly and consistently denies justified claims outright, omits or denies specific line items required to properly repair/replace a homeowner’s roof, and uses deceptive tactics, some to prolong the process, in a hope that the homeowner will cancel his retainer with the FIRM and deal directly with SLIDE. It has become a pattern of practice for SLIDE to not settle claims when it has the ability to do so, and these dilatory tactics serve no purpose other than to increase profits. SLIDE has violated the following statutory provisions: §642.155(1)(b)(1) - Not attempting in good faith to settle claims when, under all circumstances, it could and should have done so, had it acted fairly and honestly towards its insured and with due regards 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 reasonable clear, under one portion of the insurance policy coverage in order to influence settlement under other provisions of the insurance policy coverage; §626.9541(1)(i)(2) – A material misrepresentation made to an insured or any other person having an interest in the proceeds payable under such contract or policy, for the purpose and with the intent of effecting settlement of such claims, loss, or damage under such contract or policy on less favorable terms than those provided in, and contemplated by, such contract or policy; §626.9541(1)(i)(3) – Committing or performing with such frequency as to indicate a general business practice any of the following: (a) Failing to adopt and implement standards for the proper investigation of claims; (b) Misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue; (c) Failing to acknowledge and act promptly upon communications with respect to claims; (d) Denying claims without conducting reasonable investigations based upon available information; (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 with 30 days after proof-of-loss statements have been completed; (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; (g) Failing to promptly notify the insured of any additional information necessary for the processing of a claim; (h) Failing to clearly explain the nature of the requested information and the reasons why such information is necessary. To remedy this Civil Remedy Notice and to cure the conduct giving rise to the violations described herein, SLIDE must immediately: (i) tender the full remaining payment to FIRM, on behalf of INSURED; (ii) make payment of any pre-judgment interest owed under Florida law, including §627.70131(5)(a), which is accruing daily; (iii) make payment for the additional expense incurred by the insured in hiring an attorney; and (iv) implement appropriate standards and procedures for claims investigations and resolution in regard to the outstanding amount of this Claim. The aforementioned payments should be tendered to the INSURED’s attorneys at Green Law Group, 8833 Perimeter Park Blvd., Suite 104, Jacksonville, Florida 32216.
Comments
User Id Date Added Comment
mthornton@slideinsurance.com 04-04-2025 Via E-mail & Posting on DFS Website Paul Green, Esq. Green Law Group 8833 Perimeter Park Blvd, Ste 104 Jacksonville, FL 32216 paul@greenlawgrp.com Complainant: Sara Gonzalez Insured: Sara Gonzalez Claim No: SL24202884 Policy No: SIC3023152 CRN Filing No.: 805333 Dear Paul Green: Please allow this correspondence to serve as Slide Insurance Company’s (“Slide”)’s response to the Civil Remedy Notice (“CRN”) filed on behalf of Sara Gonzalez (“Insured”). The CRN was accepted by the Department on February 5, 2025. Without waiving any objections to the sufficiency of the CRN, and specifically subject to a reservation of all rights and defenses herein, Slide denies it violated Florida Statutes or any other codes, regulations, and/or rules in this matter. Slide challenges the validity of the subject CRN as it fails to identify the specific policy terms the Insured claims Slide failed to follow, nor does Complainant provide specific facts regarding the basis of the asserted violations. See, e.g., Julien v. United Prop. & Cas. Ins. Co., 311 So.3d 875, 879 (Fla. 4th DCA 2021); Demase v. State Farm Florida Ins. Co., 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). The CRN further fails to include all insureds with an interest in the subject policy and property. Thus, the CRN is deficient and should be returned by the Department. CLAIM FACTS Slide issued a homeowners’ insurance policy to the Insured for property located at 1521 Stacy Drive, Lakeland, Florida, in effect for the period of May 31, 2023 to May 31, 2024 (the “Policy”). On April 28, 2024, the Insured filed a claim for damage to their property. Specifically, the Insured stated there was wind damage to the roof and water coming from the ceiling in the garage. The date of loss was reported as January 9, 2024. Slide acknowledged receipt of the claim and assigned a licensed field adjuster to inspect the property. The inspection was completed on May 2, 2024, with the field adjuster and the Insured. At the inspection, the field adjuster documented approximately three (3) creased and / or missing shingles on the roof. Staining was also noted on the ceiling in the garage. No other damage was reported or observed. Based on its investigation, Slide notified the Insured in a letter dated May 30, 2024, that repairs to the shingle roof were covered, however, the total cost was less than the Policy’s deductible. In accordance with the Policy and Florida law, the May 30th letter with the relevant Policy provisions and an itemized estimate of the covered damages was provided to the Insured. On or about June 27, 2024, Green Law Group submitted a letter of representation on the Insured’s behalf. The desk adjuster assigned to the claim acknowledged the attorney’s representation of the Insured and requested information regarding any disputes, estimates, and / or a Sworn Statement in Proof of Loss in an email on July 10, 2024. The adjuster followed up on the requests on August 1st, 14th, and 21st. On August 26, 2024, the Insured’s attorney sent an estimate for a full roof replacement prepared by Florida Premier Construction Company and signed Sworn Statement in Proof of Loss claiming the estimate total of $44,509.66. Slide reopened the claim for further investigation and retained a licensed roofing contractor, Stratus Construction and Roofing LLC (“Stratus Roofing”), to evaluate the reported loss. Stratus was provided access to the property for an inspection on November 1, 2024. In a letter dated December 23, 2024, the Insured was advised that a supplemental payment was being made for additional damage to the interior of the property. The December 23rd letter further explained that Stratus Roofing confirmed the roof is repairable and full replacement is unnecessary. No further information was received from the Insured or their representatives prior to the filing of this CRN on February 5, 2025. To date, neither the Insured nor their representatives have provided any information that would alter Slide’s understanding of the loss. 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, inconsistent, and incomplete. The Insured has presented no evidence to support the allegations of unfair trade practice, claim delay, unsatisfactory settlement offer, or any other violations of Florida Law. These allegations are without merit and Slide asserts strict compliance with its statutory obligations. DENIAL OF ALL VIOLATIONS OF FLORIDA STATUTE The CRN asserts Slide violated §§ 624.155(1)(b)(1), 624.155(1)(b)(3), 626.9541(1)(i)(2), 626.9541(1)(i)(3)(a), 626.9541(1)(i)(3)(b), 626.9541(1)(i)(3)(c), 626.9541(1)(i)(3)(d), 626.9541(1)(i)(3)(e), 626.9541(1)(i)(3)(f), 626.9541(1)(i)(3)(g), and 626.9541(1)(i)(3)(h), Fla. Stats. Despite raising eleven (11) statutory violations, the CRN fails to provide any specific facts to support their allegations or that would put Slide on notice of the basis of the purported conduct. Notwithstanding any challenges to the CRN’s sufficiency, and specifically subject to a reservation of all defenses and rights herein, Slide categorically denies all violations of Florida Statutes or any other codes, regulations, and/or rules in its handling of the subject loss. The underlying claim was investigated and adjusted in as thorough and expedient a manner as possible. Following the evaluation of the claimed damages, including an on-site inspection with a field adjuster, the Insured was notified in writing of the coverage determination, in accordance with the Policy’s terms, conditions, endorsements, limitations, and exclusions. An itemized estimate of the covered damages were provided in the letter. Upon receipt of an estimate and Sworn Proof of Loss from the Insured, Slide reopened the claim and completed further investigation. A supplemental payment was issued following the investigation of supplemental claim, as determined by the on-site inspection of a licensed roofing contractor. As provided in the factual narrative above, Slide did not receive any further documentation from the Insured or their representatives for consideration or review prior to this Civil Remedy Notice. Thus, the CRN is unsupported by the circumstances of the claim and do not present any evidence of conduct in violation of the Policy or Florida law. CONCLUSION In conclusion, the documented facts of this claim contradict all allegations that Slide has in any manner acted improperly or contrary to its contractual obligations to the Insured. In filing this response, Slide does not intend to waive any rights or defenses in law or under 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