Florida landlord says $100K vandalism insurance claim denied despite coverage. And new state law is hampering his fight

A resident of Spring Hill, Florida, is grappling with a state-backed insurer after his insurance claim for nearly six figures was denied. Tom Luby told WFTS Tampa Bay 28 that Citizens Insurance twice denied his nearly $100,000 vandalism claim on a rental property he owns. According to WFTS, the insurer said the extensive damage was an “incomplete remodel” of the home by the tenant, and not vandalism (1). The property damage includes stolen and destroyed appliances, torn-up flooors and debris scattered i ...