American Strategic .: the denial record

The Insurer Estimate was patently deficient in that it omitted entire categories of damage that would have been visible to and recognizable by any person viewing the damaged Property, let alone a qualified insurance adjuster.

Moreover, PPC determined that at least $75,062.78 worth of repairs would be required to return the property to its pre-loss condition as a result of the windstorm loss.

On October 30, 2024, the field adjuster for the insurance company inspected the property.

As a result of the review, ASI issued its claim decision for the loss claiming that the property required approximately $6,465.94 worth of repairs to six different rooms of the home.

COVERAGE DETERMINATION AND DISPUTE FOLLOWING THE INVESTIGATION, THE INSURER DETERMINED THAT THE COVERED DAMAGES DID NOT EXCEED THE INSURED'S POLICY DEDUCTIBLE OF $7,080.

On October 25, 2024, the carrier made the unilateral determinations that the damages that were covered would total to the amount of $56,924.34 for repairs after the application of the deductible.

Whereas, the carrier furnished a wrongful estimate and, having withheld the deductible, offered a deficient payment in the amount of $301.03 only, leaving a remainder in the amount of $53,973.61 to be paid in order to cure the breach, less any applicable policy deductible.

After assessing the damage and the true scope of repairs, the public adjuster produced an estimate identifying $50,258.39 in covered damage to the dwelling.

During his inspection, the field adjuster viewed the interior and exterior of the home and the roof. [name redacted] provided ASI with photos of the damage, as well as an estimate in the amount of $50,133.[address redacted]ace the home in the pre-loss condition.

In response, the Carrier assigned the above claim number to this loss and conducted an inspection of the Property.

Tender payment to the Robinsons in the amount of $46,744.64, which is the amount to return the Robinsons' home back to pre-loss condition.

The only payment issued to the insured was for $2,993.02, which was based on an outdated and inadequate estimate that did not account for full repairs.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $44,945.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

Diamondback timely sent their estimate to American Strategic, which estimated the scope or damage to be $44,514.09, significantly more than the evaluation made by American Strategic.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $37,274.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

Indeed, an estimate for repair of all damages with respect to his claim was prepared on behalf of Mr. [name redacted] for $32,428.98 and was submitted to American Strategic; well above the amount from American Strategic.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $30,539.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

Moreover, Coastal determined that at least $29,997.18 worth of repairs would be required to return the property to its pre-loss condition as a result of the hurricane loss.

Despite conducting an inspection, as required, American Strategic willfully ignored the full extent of the damage and deliberately undervalued the loss, offering a grossly inadequate initial payment of just $2,921.38 after applying the deductible.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $26,752.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

AMERICAN STRATEGIC INSURANCE CORP can cure the violations contained herein by issuing a payment for all contractual damages owed, per estimates of $79,052.[address redacted]us interest, costs, and attorney's fees.

However, said partial payment was woefully inadequate, and does not come close to compensating Insureds for their total post-deductible damages in the amount of $60,016.93.

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

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

ADDITIONALLY, UPON INFORMATION AND BELIEF, THE CARRIER NOR THEIR THIRD-PARTY CLAIMS ADMINISTRATOR PRODUCED ANY REPORT AND HAS ADMITTED IT HAS NOT RENDERED A COVERAGE DECISION.