American Security: the denial record

Claims Resolution Services, on behalf of the Insureds, forwarded said estimate which fully detailed the Insureds' damages and total $171,791.32.

The INSURED has retained a repairer, [name redacted] of Green Coast Roofing and Contracting who has prepared an estimate of the INSURED'S damages, which totals $100,197.12.

On January 17, 2023, [name redacted] sent its coverage letter advising their investigation revealed the damage found to the property did not exceed [name redacted] policy deductible of $4,535.00…… no evidence wind damage to the roof.

Munoz is not and has not been disclosed as a qualified expert to attest as to the cause and/or full extent of the damages at the subject property.

Specifically, the Insured, with assistance from their public adjuster, submitted an estimate for $70,390.18, which was a fair and reasonable assessment for the repair/replacement of damages.

The requested amount represents the Insured(s) roof estimate $38,274.54 less the applicable $13,000 deductible.

Specifically, the Insured, with assistance from their public adjuster, submitted an estimate for $37,496.37, which was a fair and reasonable assessment for the repair/replacement of damages.

Specifically, the Insured, with assistance from their public adjuster, submitted an estimate for $33,106.79, which was a fair and reasonable assessment for the repair/replacement of damages.

Due to the INSURER'S bad faith general business practices as set forth above and further detailed below, the INSURER grossly undervalued the scope and value of damages for the covered loss, tendering payment on or about August 22, 2023 in the amount of $4,217.78. 1.

Subsequently, the insureds prepared a loss package in the amount of $26,982.10 needed to restore the property back to its pre-loss condition.

Carrier can cure the defects outlined in this Civil Remedy Notice and avoid a lawsuit for bad faith by immediately accepting full coverage under the subject insurance policy for this claim and by paying Insured's estimate of $22,848.84, less applicable deductible, which is the reasonable amount of t

Specifically, the Insured, with assistance from their public adjuster, submitted an estimate for $22,173.89, which was a fair and reasonable assessment for the repair/replacement of damages.

American Security Insurance Company ("carrier") has not attempted in good faith to settle the insureds' claim when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insureds and with due regard for their interests.

Then in a letter dated September 30th, 2024, the carrier notified the Insured that it had completed its investigation into the loss and concluded the property does not exceed the policy deductible of $2,500.00.

By way of the cited legal authorities and considerations, INSURER knows that it needs to assess the application of the policy deductible on a case by case basis and only after the claim is fully adjusted, investigated and considered per the terms of the insurance policy.

ACV reductions) per the policy, are to be applied in full to the deductible.

AMERICAN SECURITY INSURANCE COMPANY can cure the violations contained herein by issuing a payment for all contractual damages owed, per estimates of $33,986.[address redacted]us interest, costs, and attorney's fees.

FIRM timely notified ASSURANT of the damages sustained to the property and contemporaneously provided an estimate of the damages sought to be recovered.

On December 17, 2024, the carrier valued the claim at $3,865.54, which is below the deductible of $5,964.00; it was clear that the damage exceeded the deductible.

However, the Field Adjuster failed to conduct a thorough investigation and neglected to inspect the plumbing for any active leaks or areas affected by the leak.

Whereas, the carrier furnished a wrongful estimate and, having withheld the deductible, offered a deficient payment in the amount only, leaving a remainder to be paid in order to cure the breach, less any applicable policy deductible.

To date, one hundred and fifty-one (151) days, American Security has not made any coverage determination (or undisputed payments) thereby violating Fla statutes as indicated in this report and in breach of the policy with the insured.