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Florida homeowner claimed denied after settlement, second review

It's been three years since one Florida man lost his home to a devastating fire. While the structure still stands, all boarded up, his insurance claim has been repeatedly denied, leaving him with a house that is a total loss, and no insurance money to help rebuild.

Why was his insurance claim denied? According to a report, it wasn't the cause of the fire, or missed payments on his insurance policy that caused the denial, but a $50 debt on another property. After the fire, the insurance company reportedly ran his credit to find a $50 unpaid lien from many years ago.

With that denial, the man filed a lawsuit against the insurance company and lost. This denial triggered a state investigation, and eventually a settlement after the Florida Office of Insurance Regulation found that this company, Universal Property and Casualty, has violated state regulations by using denials related to a person's credit.

Even after the settlement with the state, and the company saying they would review old claims that might have been effected by this policy, it still denied the mans claim, citing the lawsuit that he lost.

Florida insurance regulators have said that they will review all decisions made by the company on reopened cases. This could be the last hope for this man to get his claim of $180,000 paid, allowing him to start to rebuild his home, years after the fire. Having an experienced attorney who can help represent a person might be a wise decision when dealing with insurance companies that act in bad faith.

Source:, "Action 9 investigates insurance denials," Oct. 28, 2013

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