Civil Remedy Notice of Insurer Violations
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Filing Number:     812365
Filing Accepted:  3/21/2025
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Complainant
Last/Business Name *  
WILSON   First Name   JUDY
Street Address * 16950 SE HIGHWAY 42
City, State Zip * WEIRSDALE, FL 32195
Email Address * JUDY.WILSON.PETERSON@GMAIL.COM
Complainant Type: * Insured
Insured
Last/Business Name*   WILSON   First Name   JUDY
Policy # * SIC3182227 Claim #* 202501021132
Attorney
Attorney is Applicable
Violation
Insurer Type *   Authorized Insurer Unauthorized Insurer
 
Insurer Name*   SLIDE INSURANCE COMPANY
NAIC Company Code 17227
 
Name of individual responsible for violation (if any):* JONI CARTER AND ALL OTHER SLIDE EMPLOYEES, REPRESENTATIVES, AGENTS, AND VENDORS WHO HANDLED THIS CLAIM
Type of Insurance * Residential Property & Casualty   
Reason for Notice *
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.
626.9541(1)(i)(3)(a) Failing to adopt and implement standards for the proper investigation of claims.
* Specific policy language that is relevant to the violation.
Enter all words or phrases (one at a time) that should be used to filter.

HOMEOWNERS 3 – SPECIAL FORM AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. ... SECTION I – PERILS INSURED AGAINST A. Coverage A – Dwelling And Coverage B – Other Structures 1. We insure against risk of direct physical loss to property described in Coverages A and B.
 
* Facts and circumstances giving rise to the violation.
Enter all words or phrases (one at a time) that should be used to filter.

Judy Wilson (“the insured”) is a homeowner insured under a policy issued by Slide Insurance. On January 19, 2024, a severe weather event impacted the insured property located at 16950 SE Highway 42, Weirsdale, FL 32195, causing significant hail and wind damage to the roof. The insured promptly reported the loss and fulfilled all post-loss obligations under the policy. The insured also engaged a licensed roofing contractor and a licensed public adjuster, both of whom conducted thorough inspections and confirmed extensive storm-related damage that was overlooked or ignored by Slide Insurance during its evaluation of the claim. Despite clear evidence of storm-related damage, Slide grossly undervalued the claim, estimating the loss at only $859.62. The insured’s independent estimate for necessary repairs, based on a full assessment of the damage, amounts to $34,629.78. The significant discrepancy between Slide’s estimate and the actual cost of repairs highlights the insurer’s failure to properly investigate, evaluate, and adjust the claim in good faith. Furthermore, Slide acknowledged some damage to the roofing shingles but failed to properly account for the full scope of necessary repairs. In addition to its inadequate claim evaluation, Slide violated Florida Statute § 627.70131 by failing to acknowledge the insured’s initial communication within the required seven-day timeframe. The insured’s representative submitted the initial documents of representation on February 14, 2025, yet Slide did not respond until March 7, 2025—well beyond the statutory deadline. This failure to acknowledge and communicate in a timely manner is a direct violation of Florida insurance regulations designed to protect policyholders from undue delays and bad-faith claim handling. Slide’s mishandling of this claim is part of a pattern of bad-faith practices, including failure to conduct a thorough and unbiased inspection, failure to consider all available evidence, and failure to promptly and fully indemnify the insured for the covered loss. To cure this violation and remedy its bad-faith conduct, Slide must immediately acknowledge full coverage for the insured’s storm-related damages, issue payment in the amount of $34,629.78 to properly indemnify the insured for the covered loss, and ensure compliance with all statutory requirements, including timely communication and proper claims handling, for this and all future claims. Failure to act in good faith and properly address these violations will result in additional legal action, including potential claims for bad faith, interest on delayed payments, and punitive damages. The insured reserves all rights under the policy and Florida law to seek full compensation for the damages sustained.
Comments
User Id Date Added Comment
mthornton@slideinsurance.com 05-19-2025 Via E-mail & Posting on DFS Website Judy Wilson 16950 SE Hwy 42 Weirsdale, FL 32195 judy.wilson.peterson@gmail.com Complainant: Judy Wilson Insured: Judy Wilson Claim No: 202501021132 Policy No: SIC3182227 CRN Filing No.: 812365 Dear Kristin Rampersad: Please allow this correspondence to serve as Slide Insurance Company’s (“Slide”)’s response to the Civil Remedy Notice (“CRN”) filed on behalf of Judy Wilson (“Insured”). The CRN was accepted by the Department on March 21, 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 all allegations that it violated Florida Statutes or other codes, regulations, and/or rules in this matter. Slide challenges the validity of the CRN as it fails to identify the specific policy terms the Insured claims Slide failed to follow, nor do the allegations as stated give rise to any violation of Florida law or insurance policy. 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). In fact, the CRN does not provide any specific facts material to the Insured’s claims, including the timeline of the claim or basis of the alleged dispute, and alleges a date of loss that is inconsistent with the loss as reported to Slide and pre-dates the effective date of the policy of insurance. For these reasons, Slide asserts 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 at16950 SE Highway 42, Weirsdale, Florida, in effect for the period from July 31, 2024 to July 30, 2025, (the “Policy”). On January 25, 2025, the Insured filed a claim for damage to their property from wind and / or hail. The date of loss was reported as January 18, 2025. Slide acknowledged receipt of the claim and assigned a licensed field adjust to inspect the property. Based on the investigation, Slide advised the Insured in a letter dated January 31, 2025, that coverage was afforded for repairs to the shingle roof. The total cost to repair the covered damage was less than the Policy deductible, therefore, no payment was due or owing pursuant to the Loss Settlement provision of the Policy. The January 31st letter further explained that because no wind, hail, or other storm created openings were present to the roof or exterior of the property, the claimed leak on the patio was precluded from coverage under the unambiguous terms, conditions, exclusions, and limitations of the Policy. In accordance with Florida Statutes, a written explanation of the coverage decision and itemized estimate of the covered damages were provided to the Insured. To date, Slide has not received any information from the Insured or their representatives that would alter its understanding of the loss and coverage. All allegations Slide failed to appropriately address the Insured’s claims are without merit. 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. The Insured has presented no evidence to support the allegations of unsatisfactory settlement offer or unfair trade practice. Rather, the facts show Slide promptly investigated the loss and made communications as necessary to adjust the claim, in compliance with the Policy and Florida Statute. DENIAL OF ALL VIOLATIONS OF FLORIDA STATUTE The CRN asserts Slide violated §§ 624.155(1)(b)(1) and 626.9541(1)(i)(3)(a), Fla. Stats. Notwithstanding any challenges to the CRN’s legal sufficiency, and specifically subject to a reservation of all defenses and/or rights, 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 adjusted in as thorough and expedient a manner as possible. The facts demonstrate Slide employed proper claims practices in the investigation including, but not limited to, a prompt inspection of the Insured’s property with licensed individuals, timely communications with the Insured and/or their representatives, and providing a written explanation of the coverage assessment with supporting documentation to the Insured upon completion of the investigation. Thus, the violations asserted in the CRN are baseless and Slide asserts strict compliance with its statutory obligations. CONCLUSION 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 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