Your claim was denied for Construction Defect Exclusion. Here is what that means.
Carrier attributes damage to original construction defects, which are excluded.
Your claim was denied for this reason.
Denial is not the final word on your claim. Many denials are overturned with proper documentation and legal grounding.
Carrier attributes damage to original construction defects, which are excluded.
Legitimate scenarios
When this denial holds up
When defect is proven and caused the loss.
Contest these
When this denial is improper
When a separate covered peril caused the loss regardless of any defect.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Build your case
Counter-evidence to assemble
Evidence list
- ✓Construction records
- ✓Expert forensic analysis
- ✓Proximate cause opinion
Action
Next steps
- 01
Request the specific denial reason in writing
Ask for policy language and factual basis. Vague denials are unsustainable.
- 02
Gather counter-evidence
Each item on the checklist above strengthens your position.
- 03
Submit supplemental documentation
Send to the claim file. Request review. Timeline clock restarts.
- 04
Escalate if needed
Public adjuster, Florida DFS complaint, mediation under FS 627.7015, or litigation.
No obligation. No fee unless recovery.
Denied for "Construction Defect Exclusion"? Free review from a licensed Florida public adjuster.
Many denials are overturned with proper representation.
Similar patterns
Related denial reasons
Anti-Concurrent Causation Clause
Policy language excludes any loss involving excluded perils, even partially.
Insured-Caused Damage
Carrier claims the insured intentionally or through gross negligence caused the loss.
Earth Movement Exclusion
Carrier claims damage is from earth movement (not sinkhole activity), which is typically excluded.
Flood Exclusion Applied
Carrier classifies damage as flood, which is excluded under homeowners.
Power Surge Exclusion
Carrier claims electronics damage from power surge is excluded.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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See also
Other common denial reasons
Wrong Named Insured
Another common reason a Florida property claim is denied.
Carpet Pile Height Mismatch
Another common reason a Florida property claim is denied.
Progressive Scope Reduction
Another common reason a Florida property claim is denied.
Usaa Delayed Response Pattern
Another common reason a Florida property claim is denied.
Valid Civil Remedy Notice Ignored
Another common reason a Florida property claim is denied.
Flood Carrier Denied
Another common reason a Florida property claim is denied.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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