Asi Preferred .: the denial record

This estimate totaled $117,278.08 and yielded additional payment totaling $69,497.68 for the dwelling.

Dash immediately sent their estimate to ASI, which estimated the scope or damage to be $293,479.88 along with a request for supplemental payment, but ASI failed to issue any additional payment to the Insured.

On or about March 4, 2024, an Appraisal Award was reached finding Replacement Cash Value of $242,331.39 and Actual Cash Value of $237,741.74.

Barker failed to realize is that they already determined the Insured's loss was covered but wholly undervalued the Insured's damages pursuant to its letter dated August 23rd which included the repair estimate from David Lawman advising the Insured's damages were only $15,235.26.

On January 21, 2025, the carrier made the supplemental determination that the damages that were covered would total to the amount of $27,201.46 for a full roof replacement and interior repairs after the application of the deductible and recoverable depreciation.

Following its inspection, ASI deliberately undervalued the damages, issuing an egregiously low estimate of just $1,394.93 an insultingly inadequate amount given the extent of the destruction.

The insured has been compelled to obtain an independently adjusted estimate totaling in the amount of $133,033.41 that would be needed to repair the property back to its pre-loss condition.

However, when the Insurer conducted its inspection of the insured property, the Insurer's representatives failed to conduct a thorough and adequate investigation, or the representatives intentionally ignored the damage observed and failed to make truthful and unbiased reports of the facts after inve

Comparing ASI's initial estimate of $2,118.53 to [name redacted] 's public adjuster's estimate of $113,883.97 ASI's estimate amounts to less than two percent (2%) of the actual claim value.

The insureds utilized the services of a licensed public adjuster who inspected the insureds' property and determined that the loss was a covered loss and had caused $86,981.61 in damages after the deductible.

After assessing the damage and the true scope of repairs, the public adjuster produced an estimate identifying $85,419.73 in covered damage to the dwelling.

Subsequently, the insured prepared a loss package in the amount of $82,508.20 needed to restore the property back to its pre-loss condition.

ASI sent out an unqualified adjuster who wrote up an estimate of damages in the amount of $4,904.07.

FIRM timely notified ASI of the damages sustained to the property and contemporaneously provided an estimate of the damages sought to be recovered amounting to $70,465.49.

After assessing the damage and the true scope of repairs, the roofing contractor produced an estimate identifying $56,867.38 in covered damage to the dwelling.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $54,007.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

To cure the defects outlined in this Civil Remedy Notice, ASI must: (1) Immediately tender all insurance proceeds due and owing to the Insureds that are fairly owed to them under the insurance policy that would reasonably place them back to a pre-loss condition pursuant to the estimate of damages in

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $51,498.57, less any applicable deductible and prior payment to the Insured, to complete the repairs for the Insured property.

Whereas, the carrier has failed to prudently inspect the insureds' property, come to a fair coverage determination and promptly pay the claim.

However, the insureds' independent rebuild estimate assessed the true cost of the damage at $48,839.64, including: Full roof replacement, Interior damage from water intrusion and a vinyl fence replacement.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $47,103.11, less any applicable deductible and prior payment to the Insured, to complete the repairs for the Insured property.

M&R Solutions Group has an outstanding balance in the amount of $16,546.87 for their mitigation services and tarp placement.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $ 42,364.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

DryPro performed reasonable and necessary services in the amount of $2,266.24 for EMS and $8,966.39 for mold remediation.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $33,956.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

The carrier initially attempted to low-ball the claim and wrongfully found the damages to be below the applicable policy deductible.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $31,560.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

The insurer's independent adjuster's estimate ($6,262.81) failed to account for a full scope of necessary repairs and the replacement of damaged materials rather than minor repairs, and contained a significant underestimation of labor and material costs.

MATERIALLY MISREPRESENTING FACTS AND THE INSURANCE POLICY PROVISIONS To cure the defects outlined in this Civil Remedy Notice, the carrier must: (1) ADMIT FULL COVERAGE FOR THE INSUREDS' LOSS; AND (2) THE TENDER $49,750.00 LESS THE APPLICABLE DEDUCTIBLE AND PLUS ANY STATUORY INTEREST OWED UNDER FLOR

Claimant's homeowners association levied an assessment to all property owners in the amount of $2,000 to cover the balance of roof repairs caused by a hurricane.

FIRM timely notified PROGRESSIVE of the damage sustained to the property and contemporaneously provided an estimate of the damage in the amount of $45, 410.89.

Rather than inspecting the property and evaluating the damage in a prudent manner or making any good-faith effort to investigate the claim, the carrier incorrectly undervalued/under scoped the damages and partially denied the claim.

In order to cure this civil remedy notice, ASI must immediately acknowledge in writing that the roof, interior, and exterior damages claimed by the Insureds were caused by Hurricane Ian and immediately tender the full payment owed to the Insureds for damage to covered property in the amount of $132,

The Insurer inspected the Property and prepared a woefully deficient initial estimate that failed to address the full scope of damages and repairs necessary to return the Property to its pre-loss condition.

ASI issued its claims decision letter on August 5, 2024, denying coverage for the roof of the claim and concluding that the ensuing water damages were covered in an amount less than the insured's deductible.

The original determination made by the Carrier on October 13, 2022, by the carrier was below deductible, and for only $1,596.77, as determined by its field adjuster [name redacted] .

During the course of ASI's investigation, the Insureds made their property available for inspection, provided facts and information surrounding the loss, and complied with Insurer's adjustment of the claim.

As we sit here today, Mr. [name redacted] has not provided any meaningful response to resolve the dispute nor has the Insurer provided the estimate from the reinspection.

The Insured has submitted clear and compelling evidence, including photographs, estimates, and weather data, supporting the claim that the roof sustained damage due to a covered peril.

To remedy this CRN, UPC must immediately tender the full amount of insurance benefits still owed of $41,899.41 for a full roof replacement, less any applicable deductible and subject to applicable coverage limitations and prior payments set forth in the policy.

However, when the Insurer conducted its inspection of the insured property, the Insurer's adjuster failed to conduct a thorough and adequate investigation, or the adjuster intentionally ignored the damage observed and failed to make truthful and unbiased reports of the facts after investigating.

ASI PREFERRED INSURANCE CORP can cure the violations contained herein by issuing a payment for all contractual damages owed, per estimates of $28,938.[address redacted]us interest, costs, and attorney's fees.

Rather than inspecting the property and evaluating the damage in a prudent manner or making any good-faith effort to investigate the claim, the carrier incorrectly undervalued/under scoped the damages and partially denied the claim.

Rather than inspecting the property and evaluating the damage in a prudent manner or making any good-faith effort to investigate the claim, the carrier incorrectly undervalued/under scoped the damages and partially denied the claim.

At this time, Progressive is in possession of the engineer's report but has not issued a coverage determination.

ASI PREFERRED INSURANCE CORP can cure the violations contained herein by issuing a payment for all contractual damages owed, per estimates of $30,763.[address redacted]us interest, costs, and attorney's fees.

The Insurer was provided with an estimate; however, the Insurer still failed to properly evaluate this claim and promptly settle although it has become reasonably clear that it should do so.

To date, carrier has failed to issue the statutorily required coverage determination following the completed inspection and adjustment of the loss.

Thus, the homeowner has now become obligated to pay more than her out of pocket deductible of $2,500 in order to be made whole by the insurer's deliberate act to under pay claims.

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.

As the Insurer has failed to make a timely determination, it has violated this code.

In fact, on March 18, 2025, ASI issued correspondence stating that the reported loss was denied and that "no sudden and accidental wind damage was found to the roof." Thereafter, the carrier requested a second inspection of the property.

Please note, by the time Insurer requested for an engineer to inspect it had already initially denied the claim and then stood by its denial in response to the Notice of Intent to Litigate.

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.

As a result of ASI PREFERRED INSURANCE CORP's failure to appear and engage in the litigation process, the Insureds obtained a final entry of judgment against the ASI PREFERRED INSURANCE CORP in the amount of $152,925.52.

This amount fell under the Policy's $2,500 deductible, so no payments were issued to the insureds.

The Carrier performed a cursory inspection of the Insured Property and failed to retain unbiased experts necessary to trigger the cause of the Loss and covered repairs necessary to restore the Insured Property to its pre-loss condition.