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Florida insurance-driven CAM disputes are the highest-volume category in the state. Hurricane-driven premium increases pass through, but only inside the lease cap or exclusion language.
Cite Fla. Stat. § 95.11(2)(b) and the insurance-passthrough clause from your lease. The dispute letter should identify the deductible cap, the named-storm exclusion, and the loss-history surcharge if present, and show the corrected pass-through.
Florida courts enforce insurance caps and exclusions strictly when the lease language is clear. The post-Andrew and post-Ian case law establishes a strong line on what constitutes an insurance "premium" versus a non-passable surcharge.
Miami, Tampa, Orlando, and Jacksonville tenants — the insurance scan is the dispute lever. Generate the letter and send it inside the audit window.
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This page provides general educational information. It is not legal advice and may not reflect the most current law in your state. Consult a licensed attorney for advice specific to your situation.