Larry Lynn Jr.
716 Magnolia Pl
Winter Haven, FL 33884
larrylynnjr@gmail.com | (770) 330-8555
Date: May 12, 2026
Via Email and Certified Mail
Claims Department / Legal Department
Universal Property & Casualty Insurance Company
1110 W Commercial Blvd
Fort Lauderdale, FL 33309
Re: Follow-Up — Formal Demand — Unauthorized Entry into Occupied Dwelling — Response Overdue
Property: 716 Magnolia Pl, Winter Haven, FL 33884 · Incident #: 26-16119
Adjuster: Kevin Steidl, Florida License #W398376 · DFS Case #: CAS-24978-L2T5H2
To Whom It May Concern:
This letter follows our formal demand correspondence dated April 17, 2026, transmitted via email and certified mail. Delivery was confirmed as follows:
Universal Property & Casualty Insurance Company — Fort Lauderdale, FL 33309
Tracking #9589 0710 5270 2577 7513 68 — Delivered April 20, 2026 at 12:20 PM
CT Corporation System (Registered Agent) — Plantation, FL 33324
Tracking #9590 9402 9770 5266 7553 22 — Delivered April 20, 2026
Our original demand required a written response within 10 business days of receipt — a deadline of May 2, 2026. As of the date of this letter, no response of any kind has been received.
We have since confirmed the full identity of the adjuster involved. His name is Kevin Steidl, Florida All Lines Adjuster License #W398376, actively appointed to Universal Adjusting Corporation DBA Alder Adjusting — a wholly owned subsidiary of Universal Insurance Holdings, the parent company of Universal Property & Casualty Insurance Company. His business address on record with the Florida Department of Financial Services is 1110 W Commercial Blvd, Fort Lauderdale, FL 33309 — the same address as your company. This confirms that Mr. Steidl was acting as your directly employed, actively licensed, and currently appointed adjuster in the course of his employment at the time of the unauthorized entry on April 16, 2026.
A formal complaint has been filed with the Florida Department of Financial Services under Case #CAS-24978-L2T5H2. A complaint regarding Mr. Steidl's conduct has been filed with the Florida Division of Insurance Agent and Agency Services, the division responsible for adjuster licensing and discipline. The incident remains documented under Polk County Sheriff's Office Incident Report #26-16119, which is currently under law enforcement review.
We are providing a final opportunity to respond and resolve this matter prior to further escalation. Please provide a written response within 5 business days of receipt of this correspondence. Absent a timely and substantive response, we are prepared to pursue all available remedies without further notice, including:
This matter involves unauthorized entry into an occupied residence by your actively employed adjuster, intrusion into private living areas including a bedroom and home office, misrepresentation made to an occupant who was physically vulnerable due to recent major surgery, and a documented law enforcement response. It warrants the immediate attention of your legal and compliance departments.
We trust your organization will treat this matter with the urgency it requires.
Sincerely,
Larry Lynn Jr.
Statement of: Larry Howard Lynn Jr.
716 Magnolia Pl, Winter Haven, FL 33884
DOB: 08/09/1965 | Phone: (770) 330-8555
I am submitting this supplemental statement to correct and supplement the original incident report filed on April 16, 2026 under Report #26-16119. I have since obtained a copy of the report and identified several inaccuracies and omissions that I wish to correct for the official record.
The original report narrative states that I "advised that he did not want to pursue charges against the unidentified male, as he believed the situation could have been a misunderstanding or miscommunication." Both of these characterizations are false and do not reflect what I stated.
Regarding charges — Sgt. Arcila #8495 repeatedly pressured me to write in my sworn statement that I was not pressing charges. When I declined to do so, he escalated by stating that if I wanted to press charges, he would need to send law enforcement to the adjuster's home, wake him up, and arrest him that night. Despite this pressure, I refused to write any declination of charges in my statement. My position was clear and consistent — I wanted to consult with an attorney before making that decision and I wanted to preserve that option. My signed sworn statement reflects that refusal.
Regarding the misunderstanding characterization — I did not state that I believed the situation was a misunderstanding. I called law enforcement and filed a sworn police report specifically because I did not view this as a misunderstanding.
Furthermore, the report's own contents directly contradict this characterization. If I had genuinely declined charges and described the incident as a misunderstanding at the substation, there would have been no basis for Sgt. Arcila to direct Deputy Bailey to contact me and come to my residence at approximately 3:00 AM that same night for further discussion. That 3am visit — by a deputy and his sergeant — reflects law enforcement's own assessment that this matter was serious and unresolved. It is self-defeating evidence against the misunderstanding narrative written into the report.
The report describes my son Joseph Lynn as 200 lbs, heavy build. This is inaccurate. Joseph's correct weight is approximately 165 lbs and he is of a slim build. Additionally, the report incorrectly records his eye color. Joseph's eyes are green. I want both of these errors corrected for the official record as his physical description has direct relevance to his vulnerability at the time of the incident.
The report makes no mention of the fact that Joseph was at home recovering from living liver donation surgery at the time of the incident. Joseph donated a portion of his liver to me as part of a living liver transplant procedure. He was in active post-surgical recovery and was asleep recuperating at the time the adjuster entered the residence. This was communicated to law enforcement at the substation on April 16, 2026.
The report does not reflect that the adjuster physically opened my son's closed bedroom door. This is how Joseph was woken — the door to his bedroom was opened by the adjuster while Joseph was asleep inside. This is a material detail that distinguishes this incident from an encounter in a common area.
The adjuster's full name is Kevin Steidl. He holds Florida All Lines Adjuster License #W398376 and is actively appointed with Universal Adjusting Corporation DBA Alder Adjusting. His business address on file with the Florida Department of Financial Services is 1110 W Commercial Blvd, Fort Lauderdale, FL 33309.
The original report omits the "Jr." suffix from my legal name. My full legal name is Larry Howard Lynn Jr., as it appears on my Florida driver's license. Deputy Bailey photographed my driver's license with his cell phone at the time of the filing, which clearly shows "Jr." as part of my legal name. The report should reflect my correct full legal name throughout.
Sergeant Arcila #8495 made statements on scene indicating sympathy toward the adjuster and suggesting the situation was not serious. He repeatedly and aggressively pressured me to decline pressing charges in my written statement, and was visibly agitated when I declined. He specifically stated that if I wished to press charges, he would need to send law enforcement to the adjuster's home, wake him up, and arrest him that night — using this as a pressure tactic. I believe his conduct on scene influenced the characterization of my position in the incident report narrative.
I swear or affirm that this supplemental statement is correct and true to the best of my knowledge and belief.
On April 16, 2026 at approximately 11:59 AM, Kevin Steidl, an All Lines Adjuster actively employed by and appointed to Universal Adjusting Corporation DBA Alder Adjusting — a wholly owned subsidiary of Universal Property & Casualty Insurance Company — entered the occupied residence at 716 Magnolia Pl, Winter Haven, FL 33884 without permission, prior notice, or authorization from any lawful occupant.
The complainant's son, Joseph Lynn, was inside the residence asleep and recovering from living liver donation surgery. The adjuster physically opened the closed bedroom door, waking Joseph. The adjuster also entered a home office containing a work computer and sensitive professional materials.
When confronted, the adjuster falsely stated that the property owner had given him permission to enter. This was confirmed to be false through direct communication with the property owner/landlord.
Earlier that day, the complainant had communicated to the property owner that the inspection should be rescheduled for the following Tuesday. The property owner acknowledged this. The adjuster arrived approximately four hours before any discussed time window and entered without coordination or consent.
This incident was formally documented with the Polk County Sheriff's Office under Incident Report #26-16119. A formal demand letter was transmitted to Universal via email and certified mail on April 17, 2026. Delivery was confirmed April 20, 2026. The 10-business-day deadline expired May 2, 2026. A follow-up letter was sent May 12, 2026. The 5-business-day deadline expired [INSERT DATE]. No response has been received. A Florida DFS complaint is on file under Case #CAS-24978-L2T5H2. A separate adjuster conduct complaint has been filed with the Division of Insurance Agent and Agency Services.
1. Provide a full written response to the formal demand letter of April 17, 2026, including a written explanation of the unauthorized entry and all actions taken by Kevin Steidl inside the residence.
2. Provide full disclosure regarding any photographs, recordings, or observations made inside the residence and certify in writing that no such materials have been shared or used.
3. Provide written confirmation of corrective and disciplinary action taken regarding Kevin Steidl's conduct.
4. Pay monetary compensation to the complainant for the unauthorized entry, invasion of privacy, misrepresentation, and resulting emotional distress and damages.
The submitter hereby states that this notice is given in order to perfect the rights of the person(s) damaged to pursue civil remedies authorized by Section 624.155, Florida Statutes.