Citizens Property Insurance underpaid our Category 4 hurricane claim in Charlotte County, Florida by paying only $47,300 on a 2,890-square-foot concrete block and stucco home with a full tile roof, interior water intrusion across 11 rooms, and a saltwater surge event that reached 22 inches inside the first floor, after their desk adjuster looked at 47 drone photos and 12 interior photos and concluded that only the windward slope of the tile roof needed replacement, that the interior water damage was "partially attributable to pre-existing wear and tear," and that the salvage value of the undamaged tile on the leeward slopes was $8,900, an offer that arrived on day 82 of the 90-day statutory payment window and included a settlement waiver on page 4 that would have released Citizens from all further claims under the policy. Forced $203,400 plus $19,800 in statutory interest and $14,600 in restoration ordinance-and-law using the Florida matching statute (Fla. Stat. 626.9744) for the roof tile and the interior finishes, the 90-day payment deadline (627.70131) for the interest computation, the pre-suit notice statute (627.70152) with attached itemized estimate, an appraisal invocation under the policy, and a Civil Remedy Notice (624.155) filed with the Department of Financial Services. the complete 27-week playbook from initial low offer to signed proof of loss with the matching-statute chapter fully written out for other Florida policyholders sitting on a tile roof partial-replacement offer right now.
i am a 58-year-old retired air traffic controller in Punta Gorda, my wife and i bought our 2,890-square-foot two-story concrete block and stucco house on a saltwater canal in 2016 after i retired from...