Civil Remedy Notice of Insurer Violations
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Filing Number:     813411
Filing Accepted:  3/27/2025
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Complainant
Last/Business Name *  
CHRISTOPHER AND HEATHER MONROE, INDIVIDUALLY AND AS TRUSTEES OF THE HEATHER R. MONROE REVOCABLE TRUS   First Name  
Street Address * 4219 HAWK ISLAND DRIVE
City, State Zip * BRADENTON, FL 34208
Email Address * CJMONROE3641@GMAIL.COM; HRMONROE725@GMAIL.COM
Complainant Type: * Insured
Insured
Last/Business Name*   CHRISTOPHER AND HEATHER MONROE, INDIVIDUALLY AND AS TRUSTEES OF THE HEATHER R. MONROE REVOCABLE TRUS   First Name  
Policy # * H3FL000061169 Claim #* 202410007193
Attorney
Attorney is Applicable
Last Name* PETTINATO First Name * DAVID Initial J
Street Address* 1000 W. CASS STREET
City, State Zip* TAMPA , FLORIDA 33606
Email Address * DPETTINATO@OLDERLUNDYLAW.COM, DJP-PARALEGALS@OLDER
Violation
Insurer Type *   Authorized Insurer Unauthorized Insurer
 
Insurer Name*   SLIDE INSURANCE COMPANY
NAIC Company Code 17227
 
Name of individual responsible for violation (if any):* KAYLA SCRUGGS, CRAIG CUPIT, AND ALL OTHER ADJUSTERS, SUPERVISORS, MANAGEMENT AND INDIVIDUALS ASSOCIATED WITH OR RETAINED BY SLIDE INSURANCE COMPANY INVOLVED IN THE CLAIM.
Type of Insurance * Residential Property & Casualty   
Reason for Notice *
Claim Delay
Unsatisfactory Settlement Offer
Unfair Trade Practice
Other : Failure to properly investigate claim and with due regard to Insured’s interest
* 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)(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)(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.

ADD’L STATUTES VIOLATED §627.70131(2) §627.70131(7)(a) POLICY LANGUAGE The Insureds may not be in possession of a complete copy the applicable policy of insurance, however, the specific policy language relevant to the violations outlined below is contained within Slide Insurance Company’s Homeowners policy, Policy No. H3FL000061169, issued to the Insureds including, but is not limited to, the following: Coverage A-Dwelling provisions (HO 00 03 10 00 / SIC HO 100 10 23) Coverage B-Other Structures provisions (HO 00 03 10 00 / SIC HO 100 10 23) Coverage C-Personal Property provisions (HO 00 03 10 00 / SIC HO 100 10 23) Coverage D-Loss of Use provisions (HO 00 03 10 00 / SIC HO 100 10 23) - Additional Living Expenses Additional Coverages provisions (HO 00 03 10 00 / SIC HO 100 10 23) - Debris Removal - Reasonable Emergency Measures - Trees, Shrubs And Other Plants - Glass or Safety Glazing Material - Ordinance Or Law - “Fungi,” Wet Or Dry Rot Special Provisions – FL. endorsement (SIC HO 100 10 23) Limited Fungi, Wet or Dry Rot, or Bacteria Coverage endorsement (HO 03 34 05 03) Calendar Yr. Hurricane Deductible w. Suppl. Reporting Req. – Fl. endorsement (HO 03 51 01 06) The Declarations Page (FL SIC DEC 04 22) Loss Payment or Loss Settlement provisions (HO 00 03 10 00 / SIC HO 100 10 23) Duties in Event of Loss Policy provisions (HO 00 03 10 00 / SIC HO 100 10 23) The insurance policy's definition sections (HO 00 03 10 00 / SIC HO 100 10 23) The insurance policy's exclusion of coverage provisions (HO 00 03 10 00 / SIC HO 100 10 23) Please advise if there are other applicable policy provisions that are not cited above but would provide coverage to the Insureds for the October 10, 2024, Hurricane Milton and/or hurricane force winds loss.
 
* Facts and circumstances giving rise to the violation.
Enter all words or phrases (one at a time) that should be used to filter.

In Florida, the work of adjusting insurance claims engages the Public Trust. SLIDE INSURANCE COMPANY (“SLIDE”) has breached this duty by its failure or refusal to acknowledge its Insureds’ claim of loss. SLIDE has failed to create and implement adequate guidelines for proper investigation to evaluate claims handling and for training and supervision of employees resulting in statutory violations as set forth above. SLIDE has failed and/or refused to thoroughly, accurately, and completely investigate and evaluate the Insureds’ insurance claim for damages. To date, notwithstanding the Insureds’ pleas, SLIDE has continued to refuse to acknowledge its obligation to acknowledge and pay the full amount of its Insureds’ claim. This complaint is made on behalf of the Insureds, CHRISTOPHER AND HEATHER MONROE, INDIVIDUALLY AND AS TRUSTEES OF THE HEATHER R. MONROE REVOCABLE TRUST DATED 5/2/16 (“MR. AND MRS. MONROE”). Further, this complaint is a statement that notice is hereby given in order to perfect the right to pursue the civil remedy authorized and pursuant to Florida Statute §624.155. In consideration of the premium paid to it by MR. AND MRS. MONROE, SLIDE issued a Homeowners policy, Policy No. H3FL000061169 (hereinafter referred to as “The Policy”), to MR. AND MRS. MONROE wherein the insurance policy provided coverage for all losses, including Hurricane Milton and/or hurricane force winds, except those losses which were expressly excluded. The policy was in full force and effect at the time the damage occurred as a result of Hurricane Milton and/or hurricane force winds, and the ensuing damages as a direct result thereof, to the insured premises located at 4219 Hawk Island Drive, Bradenton, FL 34208, on or about October 10, 2024. On or about October 9, 2024, Hurricane Milton, a large and destructive Category 3 storm, struck the state of Florida, bringing heavy rains, hurricane-force winds and tornadoes. Hurricane Milton caused numerous fatalities and complete destruction or extensive property damage to the structures, homes, businesses, and roadways in its path. Millions of people were left without power, while many others were entrapped or forced to seek refuge elsewhere. As a result of the extreme damage and loss of life, the name Milton will never be used again for an Atlantic hurricane. MR. AND MRS. MONROE’S insured property sustained damages to the interior and exterior of the home. On the exterior, MR. AND MRS. MONROE’S insured property sustained damages, including but not limited to, the roof system, gutters, shutters, property fence, pool, pool enclosure, boat dock, landscaping, balcony, etc. On the interior, MR. AND MRS. MONROE’S insured property sustained damages, including but not limited to, the insulation, drywall, paint, windows, baseboards, doors, flooring, crown molding, wallpaper, etc. in the living room, bar, master bedroom, master bathroom, dining room, bathrooms, garage, game room, hallways, and closet. MR. AND MRS. MONROE timely notified SLIDE of the damages and opened a claim pursuant to the terms and conditions of the Policy. In response, SLIDE assigned the claim to its representative to adjust and investigate the loss, as well as a field adjuster to inspect the damages. SLIDE’S representative visited the insured property and performed a cursory and inadequate investigation of the damaged property. SLIDE’S damage estimate tremendously undervalued the extent of damages sustained to MR. AND MRS. MONROE’S insured property. On or about December 16, 2024, SLIDE submitted a Below Deductible letter to MR. AND MRS. MONROE, stating that it found “water damage in several rooms, but no storm-related openings were observed”. Concerned that SLIDE had no intention to fairly investigate and adjust their claim, MR. AND MRS. MONROE retained the services of an insurance claim professional, Brian Revere from Revere Public Adjusters, Inc. (RPA), to assist in submitting their claim to SLIDE which would adequately and fairly detail all the damages sustained as a result of the loss. Following this retention, MR. AND MRS. MONROE submitted an RPA Letter of Representation to SLIDE. In contrast to SLIDE’S damage estimate, MR. AND MRS. MONROE’S inspection estimate from RPA, totaled a loss of $527,781.81 in Dwelling damages (Coverage – A). This estimate better represented the true extent of damages sustained to MR. AND MRS. MONROE’S insured property, as detailed in the estimate above. Following the loss, MR. AND MRS. MONROE retained Acree Plumbing and Air, to perform repairs on the A/C unit of their insured property. By February 2025, unable to wait any longer for SLIDE to tender all owed insurance benefits for the loss, MR. AND MRS. MONROE retained Rain To Shine Seamless Gutters and Irrigation, to perform replacements on the soffit, gutters, and splash guard by the pool of their insured property. In relation to MR. AND MRS. MONROE’S insurance claim determination process, SLIDE has misrepresented the full extent of damages sustained to their insured property, and as such, has delayed any payment of owed insurance benefits and allowing MR. AND MRS. MONROE to restore the home to pre-loss conditions. To date, MR. AND MRS. MONROE have not received any owed insurance benefits from SLIDE. To date, MR. AND MRS. MONROE have not received any reinspection requests from SLIDE. To date, SLIDE has failed to tender any supplemental insurance benefits. SLIDE has admitted that MR. AND MRS. MONROE sustained covered damages as a result of the Hurricane Milton and/or hurricane force winds loss that occurred on or about October 10, 2024 but has denied tendering all owed insurance benefits to MR. AND MRS. MONROE. Pursuant to Florida Statute §626.9541(1)(i)(4), SLIDE is required to pay undisputed amounts of partial or full benefits owed under first-party property insurance policies within 90 days after SLIDE received notice of the residential property insurance claim, determine the amounts of partial or full benefits, and agree 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). As SLIDE has failed to do so, SLIDE has wrongfully denied coverage. Since the beginning of the claim, SLIDE has engaged in a pattern of delay, denial, and reckless disregard for MR. AND MRS. MONROE’S rights. The actions of SLIDE listed herein have been continuing in nature and given the totality of the circumstances, which includes SLIDE’S adjustment, actions and/or omissions post the filing of this CRN. MR. AND MRS. MONROE contend that given the past experience in this matter with SLIDE, it is reasonably foreseeable that SLIDE’S current actions will extend to its entire conduct in the handing of their claim, including the acts or omissions of SLIDE and/or its representatives, until the final resolution of their claim. As such, MR. AND MRS. MONROE contend adequate notice has been given should SLIDE’S actions and violations listed herein continue after the expiration of this notice. SLIDE has failed and/or refused to settle the claim when it could and should have done so had it acted fairly and honestly towards MR. AND MRS. MONROE, and has failed to take into account the information and evidence provided that contradict its decisions. SLIDE’S conduct has been reckless and unfair to MR. AND MRS. MONROE, and has caused and continues to cause additional damages throughout the property. This is evidenced by the delay in paying the claim and the failure of SLIDE to evaluate the claim in total. To date, SLIDE has failed and/or refused to provide MR. AND MRS. MONROE with all the necessary insurance benefits due and owing and has not tendered the full amount needed to repair the Property despite knowing that MR. AND MRS. MONROE have sustained covered damages to their insured property. As SLIDE must admit, it is implied within every insurance policy a duty of good faith and fair dealings. In an insurance contract, each party is prevented from interfering with the other’s right to benefit from the contract. The obligations of good faith and fair dealings encompass qualities of decency and humanity inherent in its responsibilities as a fiduciary. SLIDE is bound to conduct itself with the utmost good faith for the benefit of MR. AND MRS. MONROE. However, SLIDE has failed to comply with the obligations in connection with this claim and has never looked at the claim or the contract for insurance with good faith and fair dealing. Instead, SLIDE has looked for ways not to pay the claim in full, or pay the claim at all, and these actions have been to the detriment of MR. AND MRS. MONROE. The adjusters assigned to this claim have a duty to adjust and treat all claims equally. Since the beginning of this claim the representatives on behalf of SLIDE have approached this investigation in a manner prejudicial to MR. AND MRS. MONROE. SLIDE is using either untrained or improperly trained adjusters in connection with this claim. SLIDE should have been adjusting the loss with MR. AND MRS. MONROE but instead, it was looking for ways not to pay the claim at all, or pay the claim in full. If SLIDE handles all the claims in the manner in which MR. AND MRS. MONROE’S claim was adjusted, then it is improperly handling all claims. SLIDE has refused and/or failed to comply with The Policy’s cooperation and/or “Loss Payment” provision. Under The Policy, SLIDE was to timely tender undisputed insurance benefits to MR. AND MRS. MONROE. SLIDE has failed and/or refused to timely tender owed insurance benefits, undisputed or otherwise. This is a breach of The Policy. SLIDE has refused and/or failed to cooperate and/or “Adjust the Loss” by cooperating with MR. AND MRS. MONROE during the claims adjustment process in compliance with The Policy’s “Loss Payment” provision. This is a breach of The Policy. The concept of insurance is that insurance is the insurer’s granting of timely and prompt indemnity or security against a contingent loss. Florida Statute §624.02 defines “insurance” as a contract whereby one undertakes to indemnify another or pay or allow specified amount or a determinable benefit upon determinable contingencies. Inherent is the fact that payment must be made timely and promptly so that MR. AND MRS. MONROE may mitigate their damages and to put them back into the position they were in prior to the loss as quickly as possible. SLIDE has breached this duty. SLIDE has refused and/or failed to tender all insurance proceeds to MR. AND MRS. MONROE upon demand. SLIDE’S refusal and/or failure to settle the insurance claim when under all circumstances it could have and should have done so had it acted fairly and honestly towards MR. AND MRS. MONROE is wrongful conduct. Furthermore, MR. AND MRS. MONROE contend that SLIDE’S adjusters and/or representatives financially benefit by such wrongful conduct. It is clear that SLIDE’S adjusters have also failed to adhere to insurance industry rules and guidelines when adjusting a first party claim. It is also evident that SLIDE violated the Florida unfair claims practices, the adjuster’s ethical code of conduct, and acted irresponsibly in the handling of its Insureds’ claims. In this case, MR. AND MRS. MONROE paid a hefty premium for a service, the service is called claims adjusting (I encourage you to read the book titled, “The Claims Environment” written by James J. Markham, Kevin M. Quinley, and Layne S. Thompson-this book is taught in every first year AIC course). The claim professional must dispense his or her knowledge and skill for the benefit of society. The general public expects claims representatives to pay all legitimate claims promptly and fairly. The claim professional must harness all of his or her knowledge and expertise to accomplish the objectives of the claim function. He or she must also adhere to the highest degree of ethical conduct. In addition to interacting with other insurance personnel and service providers in a professional manner, the claims professional must deal with public’s and regulator’s expectations. Insurance Companies provide such a vital and necessary service to society that the selling and servicing of insurance is imbued with a public trust. James J. Markham, Kevin M. Quinley, Layne S. Thompson, “The Claims Environment”, Insurance Institute of America, 1st ed., 1993. Accordingly, SLIDE has a contractual and statutory obligation to investigate all possible bases which might support MR. AND MRS. MONROE’S claim and cannot deny a claim without thoroughly investigating the foundation for its denial or basis for withholding insurance benefits. SLIDE violated its obligations here. - SLIDE has a contractual and statutory obligation to make a perfunctory investigation, not ignoring evidence that would support MR. AND MRS. MONROE’S claim. SLIDE violated its obligations here. - SLIDE has a contractual and statutory obligation not to look the other way when confronted with facts revealing the possibility of coverage and resisting reasonable interpretations of its policy. SLIDE violated its obligations here. - SLIDE has a contractual and statutory obligation not to deny the claim based on standards known to be impermissible or on an interpretation contrary to established law. SLIDE violated its obligations here. These actions and violations were either done intentionally or as the result of SLIDE’S failure to adopt and implement the proper standards of the investigation and adjustment of claims. Overall, SLIDE’S investigation of the claim was inadequate and contrary to its obligations under the insurance policy and Florida law. MR. AND MRS. MONROE have done everything legally requested by SLIDE to date. To cure the violations set forth in this Civil Remedy Notice, SLIDE must now agree to acknowledge its duties and obligations under the law in adjusting its Insureds’ claim, and tender rightfully owed insurance benefits to return MR. AND MRS. MONROE to their pre-loss condition. Further, to cure the violations set forth in this Civil Remedy Notice, MR. AND MRS. MONROE hereby request that SLIDE tender at this time, or prior to the expiration of the statutory cure period, the amount of MR. AND MRS. MONROE’S damage estimate and demand which accurately reflects the true nature and extent of MR. AND MRS. MONROE’S damages. Therefore, SLIDE should tender $827,461.38 (less any prior payments, depreciation, excess policy limits, and/or deductible) in insurance benefits at this time. Although MR. AND MRS. MONROE have made a demand for payment in the amount of $827,461.38 (less any prior payments, depreciation, excess policy limits, and/or deductible) and have provided SLIDE with all the necessary documentation in support thereof, they may still be willing to consider and to potentially accept any reasonable counter-offer made by SLIDE. Therefore, if SLIDE is not in agreement with MR. AND MRS. MONROE’S reasonable demand for payment of their rightfully owed insurance benefits being submitted at this time, MR. AND MRS. MONROE hereby request that SLIDE now make a reasonable counter-offer before the expiration of the cure period. MR. AND MRS. MONROE still hope that their claim can be resolved amicably. The concept of insurance is that insurance is the insurer’s granting of timely and prompt indemnity or security against a contingent loss. Florida Statute §624.02 defines “insurance” as a contract whereby one undertakes to indemnify another or pay or allow specified amount or a determinable benefit upon determinable contingencies. Inherent is the fact that payment must be made timely and promptly so that MR. AND MRS. MONROE may mitigate their damages and to put them back into the position they were in prior to loss as quickly as possible. SLIDE breached this duty. This notice is given in order to perfect the right to pursue the civil remedy authorized and pursuant to Florida Statute §624.155, including any and all bad faith/extra contractual, should SLIDE fail to cure the violations set forth in this Civil Remedy Notice within the given cure period. While no specific “cure amount” is required for this Civil Remedy Notice to be valid, MR. AND MRS. MONROE will consider the allegations contained herein “cured” if SLIDE, without any requirement for a release: (1) Immediately tenders the amount of MR. AND MRS. MONROE damage estimate in the amount of $827,461.38 (less any prior payments, depreciation, excess policy limits, and/or deductible), which accurately reflects the true nature and extent of the damages to the Dwelling / Other Structures; (2) Agrees to reimburse MR. AND MRS. MONROE for their expenses incurred by having to retain a public adjuster to present their claim; and (3) Immediately tenders the amount of statutory interest due and owing to MR. AND MRS. MONROE pursuant to Florida Statute §627.70131(5)(a). (4) Immediately provides MR. AND MRS. MONROE with the documentation SLIDE has used and/or continues to contend, supports the claim determination made by SLIDE in the adjustment of MR. AND MRS. MONROE’S claim. Specifically, SLIDE must provide MR. AND MRS. MONROE with its claim estimate(s), supporting photographs and/or videos, as well as any and all reports of any expert(s) or other individuals retained on behalf of SLIDE upon which SLIDE has relied on in reaching and/or further supporting its coverage determination in MR. AND MRS. MONROE’S claim. MR. AND MRS. MONROE continue to remain open to a fair and reasonable settlement offer from SLIDE in an effort to avoid additional delay, costs and expenses, and hereby request the same prior to the expiration of the statutory “cure” period. MR. AND MRS. MONROE have provided SLIDE with all necessary estimates, documentation, etc. in support of the claim. SLIDE must act fairly and honestly in its response to MR. AND MRS. MONROE’S request for a prompt, fair and reasonable settlement offer and resolution of the claim.
Comments
User Id Date Added Comment
jpatino@slideinsurance.com 05-14-2025 May 14, 2025 Via E-mail & Posting on DFS Website David Pettinato, Esq. Older Lundy Koch & Martino 1000 W. CASS STREET TAMPA, FLORIDA 33606 DPETTINATO@OLDERLUNDYLAW.COM DJP-PARALEGALS@OLDER RE: Insured: Christopher Monroe & Heather Monroe, Individually and as Trustees of the Heather R. Monroe Revocable Trust Claim No: 202410007193 Policy No: H3FL000061169 Date of loss: 10/10/2024 CRN Filing No.: 813411 Dear Mr. Pettinato: Please allow this correspondence to serve as Slide Insurance Company’s (“Slide”)’s response to the Civil Remedy Notice (“CRN”) that was filed on behalf of Christopher Monroe & Heather Monroe, Individually and as Trustees of the Heather R. Monroe Revocable Trust (“Insured”). Herein, we include a brief factual history of the underlying claim and actions by Slide which reveals it has acted properly in responding to the underlying claim and in compliance with its contractual and legal obligations. Slide denies each and every allegation brought forth in the CRN and denies any wrongdoing in the handling of the underlying claim. Additionally, Slide denies violating any Florida Statute or Administrative Code as set forth more specifically herein. Moreover, Slide denies violating any provisions or duties set forth in the applicable policy of insurance. Slide further states that the facts and circumstances that are set forth in the CRN, while incomplete and misleading, do not give rise to any violation of any statute or policy provision referenced in the Notice. Furthermore, Slide challenges the validity of the CRN for not identifying the specific policy language they claim Slide failed to follow. See, e.g., Julien v. United Prop. & Cas. Ins. Co., 311 So.3d 875, 879 (Fla. 4th DCA 2021) (affirming dismissal for civil remedy notice’s failure to either strictly, or substantially, comply with statutory specificity requirement); Demase v. State Farm Florida Insurance Company, 351 So.3d 136, 138-39 (Fla. 5th DCA 2022) (holding that the trial court properly determined that a CRN that failed to state with specificity the relevant policy language was legally insufficient). Finally, the Notice is improper as the Insured failed to establish that Slide breached the policy of insurance, as required by Fla. Stat. § 624.1551. CLAIM FACTS The underlying claim was reported as a claim for damages from Hurricane Milton on October 10, 2024. On October 17, 2024, Slide sent Independent Adjuster to inspect the insured property. On October 25, 2024, Slide sent Roofing consultant to inspect the insured property. On April 10, 2025, Slide sent Engineer to inspect the insured property. Based on Slide’s investigation and evaluation of the claim, Slide issued its determination letter informing that total damages fell below deductible of $33,440 and partially denied coverage for damages determined not to be covered by the Policy. Thus, Slide maintains that it has acted in accordance with the terms of the subject insurance policy, and the law, and has acted in good faith towards the Insured. Slide denies that it violated any statutes or committed the acts asserted in the CRN. Slide neither waives nor is estopped from asserting any and all rights that it may have in law or under the terms of the policy. Slide expressly reserves all such rights without exception or limitation. REASONS FOR THE NOTICE The CRN alleges multiple reasons for the filing of the Notice. However, no specific facts or circumstances are provided to support these allegations. Notwithstanding, Slide denies each and every allegation individually as follows: 1. Claim Delay: Slide denies any delay in the claims handling process of the underlying loss as is evident from the facts outlined above. Slide promptly acknowledged the claim and timely initiated its investigation of the loss including an inspection of the subject property. Slide acted in accordance with its duties and obligations pursuant to the policy of insurance and responded appropriately to information and documentation that was provided. Thus, Slide asserts that this allegation is without basis and therefore denied. 2. Unsatisfactory Settlement Offer: Slide thoroughly investigated the loss upon receipt of the underlying claim and ultimately found that amount to return property to its pre-loss condition for covered damages fell below deductible. Zero evidence of a faulty or deficient settlement offer has been presented, as such Slide denies this allegation. 3. Unfair Trade Practice: There is no basis for this allegation, thus it is wholly denied. The Insured has submitted no facts or circumstances to support this allegation. The handling and administration of this claim occurred with the expediency and timeliness allowed by the statutory requirements imposed upon Slide. At no time did Slide, its agents, or its employees delay the handling, administration, or disposition of this claim. The facts show that Slide acted promptly with respect to the investigation of the underlying claim and made communications as necessary to adjust the claim in a prompt and appropriate manner. Information necessary and relevant to the proceeding of the claim was communicated to the Insured or their representatives in an appropriate and timely manner. 4. Failure to Properly Investigate Claim and with Due Regard to Insured’s Interest: There is no basis for this allegation, thus it is wholly denied. Slide has been forthcoming and truthful regarding the pertinent claim facts and/or insurance policy provisions relating to the reported loss. Slide’s correspondences and communications to the Insured and their representatives proves this fact. Accordingly, Slide asserts its full and strict compliance with the statutory requirements imposed upon it. Additionally, the Insured has submitted absolutely no facts or circumstances supporting this allegation. The handling and administration of this claim occurred with the expediency and timeliness allowed by the statutory requirements imposed upon Slide. At no time did Slide, its agents, or its employees delay the handling, administration, or disposition of this claim. The facts show that Slide acted promptly with respect to the investigation of the underlying claim and made communications as necessary to adjust the claim in a prompt and appropriate manner. Information necessary and relevant to the proceeding of the claim, were communicated to the Insured or their representatives in an appropriate manner. Thus, this allegation is without basis and therefore denied. ALLEGED STATUTORY VIOLATIONS The CRN alleges nine (9) statutory violations. However, no specific facts or circumstances are provided to support these allegations. Notwithstanding, Slide denies each and every allegation of statutory violation individually as follows: 1. 624.155(1)(b)(1): Denied. The underlying claim was investigated and adjusted in as thorough and expedient a manner as possible. Following the investigation and evaluation of the underlying claim, it was determined that amount to return property to its pre-loss condition for covered damages fell below deductible. Moreover, the Insured has submitted absolutely no facts or circumstances supporting this allegation. 2. 624.155(1)(b)(3): Denied. Slide has not failed to promptly settle the underlying claim. The underlying claim was investigated and adjusted in as thorough and expedient a manner as possible. Following the investigation and evaluation of the underlying claim, it was determined that amount to return property to its pre-loss condition for covered damages fell below deductible. Accordingly, Slide asserts its full and strict compliance with the statutory requirements imposed upon it.  Moreover, the Insured has submitted absolutely no facts or circumstances supporting this allegation. 3. 626.9541(1)(i)(2): Denied. Slide has not made any material misrepresentations to the Insured or any other person having an interest in the proceeds payable under the subject policy for insurance. The underlying claim has been investigated and adjusted in as thorough and expedient a manner as possible. Slide routinely communicated relevant information to the Insured and/or their representatives. Thus, any such allegation is without merit and unsupported by the facts of the underlying claim. Slide asserts its full and strict compliance with the statutory requirements imposed upon it. Finally, the Insured has submitted absolutely no facts or circumstances supporting this allegation. 4. 626.9541(1)(i)(3)(a): Denied. This allegation is without basis. Slide has adopted and implemented standards for the proper investigation of claims at all times during the investigation of the subject matter. The aforementioned facts demonstrate that Slide employed proper and customary claims practices in the investigation and adjustment of this claim including, but not limited to, a prompt inspection of the insured property and timely communications with the Insured and their representatives. Accordingly, Slide asserts its full and strict compliance with the statutory requirements imposed upon it. Finally, the Insured has submitted absolutely no facts or circumstances supporting this allegation. 5. 626.9541(1)(i)(3)(b): Denied.  This allegation is without basis.  Slide has been forthcoming and truthful regarding the pertinent claim facts and/or insurance policy provisions relating to the reported loss. Slide’s correspondences and communications to the Insured and/or their representatives proves this fact.  Accordingly, Slide asserts its full and strict compliance with the statutory requirements imposed upon it.  Finally, the Insured has submitted absolutely no facts or circumstances supporting this allegation. 6. 626.9541(1)(i)(3)(f): Denied. Slide did not fail to provide an explanation for its denial of the claim. Slide has conducted a reasonable investigation of the reported loss as referenced in the factual narrative above and explained the reasoning for its partial denial of non-covered damages. Thus, there is simply no support for this allegation and Slide asserts its full and strict compliance with the statutory requirements imposed upon it. Finally, the insured has submitted absolutely no facts or circumstances supporting this allegation. 7. 626.9541(1)(i)(4): Denied. Slide has not failed to pay undisputed amounts. As indicated herein, the underlying claim was investigated and adjusted in as thorough and expedient a manner as possible. Following the investigation and evaluation of the underlying claim, it was determined that amount to return property to its pre-loss condition for covered damages fell below deductible. Accordingly, Slide asserts its full and strict compliance with the statutory requirements imposed upon it.  Finally, the Insured has submitted absolutely no facts or circumstances supporting this allegation. 8. 627.70131(2): Slide complied with the cited statute and provided proper acknowledgment. Slide asserts its full and strict compliance with the statutory requirements imposed upon it.  Finally, the Insured has submitted absolutely no facts or circumstances supporting this allegation. 9. 627.70131(7)(a): There is no basis for this allegation, thus it is wholly denied. The Insured has submitted no facts or circumstances to support this allegation. At no time did Slide, its agents, or its employees delay the handling, administration, or disposition of this claim. The facts show that Slide acted promptly with respect to the investigation of the underlying claim and made communications as necessary to adjust the claim in a prompt and appropriate manner. Information necessary and relevant to the proceeding of the claim was communicated to the Insured or their representatives in an appropriate and timely manner. ALLEGED VIOLATIONS OF THE INSURANCE POLICY The CRN fails to allege specific violations of the insurance policy and provides no specific facts or circumstances of wrongdoing. The boilerplate CRN merely sets forth blanket allegations of wrongdoing, without further information. As such, the CRN is defective, as it failed to specifically identify the policy language that is the subject of the alleged violation, and further failed to include sufficient facts to put Slide on notice of the alleged violations. Notwithstanding, Slide denies any and all allegations of policy violations. All actions by Slide were done in compliance with the applicable Policy. As indicated above, Slide thoroughly investigated the reported loss including inspection of the Insured’s property. Thus, it is clear that Slide has acted in compliance with the Policy. Slide asserts that it has at all times complied with the terms of the Policy and has complied with all applicable provisions of the Policy and Florida Statutes in the handling of this matter. STATEMENTS AS TO CURING THE DEFECTS OUTLINED IN THE NOTICE The CRN asserts that Slide must tender all insurance benefits due and owing. Nevertheless, the method for curing violations alleged in a Civil Remedy Notice is not determined by the Insured. Talat Enterprises, Inc. v. Aetna Casualty Surety Co., 753 So. 2d So. 2d 1278 (Fla. 2000). Accordingly, Florida Statutes Section 624.155 does not impose on an insurer the obligation to pay whatever the Insured’ demands. Section 624.155(2)(d) would have no effect or purpose under such an interpretation. Thus, Slide reasserts that it has acted in good faith towards its Insured at all times. Slide references to all the facts herein, which unequivocally demonstrate Slide’s expedient and timely administration of the Insured’s claim. Slide further asserts its full and strict compliance with the Policy and reiterates that it has acted properly in responding to the underlying claim in compliance with its contractual and legal obligations. Slide denies any wrongdoing in the handling of the underlying claim. Additionally, Slide denies violating any Florida Statute, Administrative Code, or code of ethics. CONCLUSION In conclusion, the documented facts of this claim establish that Slide acted diligently in its claims response and adequately performed its obligations under the policy of insurance and Florida law. Thus, the facts contradict all allegations that Slide has in any manner acted improperly or contrary to its contractual obligations to the Insured in this claim. Herein, Slide has attempted to fully and adequately respond to the allegations the Insured allege in the Civil Remedy Notice of Insurer Violation filed with the Department. Should there be any questions or further inquiry with respect to this matter, please contact the undersigned at (727) 359-9802 or at jpatino@slideinsurance.com. Sincerely, /s/ John Patino John Patino, 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