American Traditions: the denial record

A Leak Detection invoice and an estimate for repair of all damages were prepared on her behalf totaling $103,031.05 and were submitted to American Traditions.

The Insured and Insured's representative provided the Insurance Company with all claim-related documents including an estimate to repair covered damages in the amount of $99,381.24 and other supporting documentation and/or information.

This offer is based on an estimate from their adjuster for repairs totaling $12,110.51 after application of non-recoverable depreciation and deductible.

American Traditions Insurance Company also routinely refuses to pay claims in full when it has the ability to do so, waits to see if its insureds contest their coverage determination, as was necessary here, and, only then, will it capriciously invoke appraisal.

Then, on June 7, 2024, in response to the Insured's Notice of Intent to Litigate, [name redacted] authored a letter confirming that the claim was being denied; however, offering $10,000.00 to settle the claim, which is insultingly low.

American Traditions Insurance Company also routinely refuses to pay claims in full when it has the ability to do so, waits to see if its insureds contest their coverage determination, as was necessary here, and, only then, will it capriciously invoke appraisal.

American Traditions Insurance Company also routinely refuses to pay claims in full when it has the ability to do so, waits to see if its insureds contest their coverage determination, as was necessary here, and, only then, will it capriciously invoke appraisal.

After assessing the damage and the true scope of repairs, the roofing contractor produced an estimate identifying $34,487.00 in covered damage to the dwelling.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $ 27,925.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

The carrier has maliciously demanded that the homeowner pay $20,123.62 to the preferred vendor based on an erroneous application of depreciation.

Thereafter, ATIC conceded coverage for a portion of the sustained damage and sent correspondence, dated July 11, 2024, to the Insured advising that the cost of the covered repairs (the replacement of twenty four linear feet (24 LF) of skirting was less than his $1,000 deductible.

Mr. [name redacted] inspected the property and prepared a perfunctory estimate totaling just $3,504.02.

In order to cure American Traditions InsuranceCompany's continuous acts of bad faith, American Traditions Insurance Company must issuepayment for the invoiced amount of $ 2,850.00 and which has a current balance of $ 2,850.00; aswell as, statutory interest.

To properly remediate the damage, Florida Elite removed the failed toilet, as well as the water-logged vanity and the saturated flooring and walls, together with the damaged portion of the garage ceiling.

On or about 6-6-24, a sudden/accidental loss occurred, causing direct physical damage to the Property (the "Loss"), in the form of, to wit; wind, water and corresponding damages (see submitted estimate).

The vendor and the insurer failed to advise that said inspection would include destructive testing which would cause additional damage to the insured's property.

To date, ATIC has refused to remit all proceeds due and owing to the Complainants for their loss, despite Complainants' compliance with their post loss obligations, and despite ATIC's receipt of an estimate contradictory to its unilateral assessment of the loss' value.

This cast iron drain pipe plumbing system has failed.----------Insurer regularly receives reports of losses.

In addition, [name redacted] has continuously refused and/or otherwise failed to provide the Insured's representatives with a copy of the Policy, the original coverage decision letter, or the estimate.

As discussed in greater detail in the notice, the 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.

The insurance company took FIVE months to provide a denial letter preventing us from proceeding with repairs.

During the course of American Tradition's investigation, the Insured has continued to make their property available for all inspections, provided facts and information surrounding the loss, and complied with Insurers adjustment of the claim.