No Wind Event Found in Florida Roof Damage Claim
A breach of contract case in Florida's Seventh Judicial Circuit centered on alleged wind and hail damage to a roof on April 27, 2023. The insurer, First Protective Insurance Company (Frontline), denied the claim after an investigation found no evidence of wind or hail damage on the reported date. During litigation, a second engineering report confirmed the absence of a wind event on that date. While some shingles showed damage consistent with wind, it was determined not to be related to the reported weather event. The court granted summary judgment in favor of the insurer, citing a lack of evidence from the plaintiffs to dispute the findings. The case also highlighted policy exclusions for wear, tear, and defective materials. 
