First Protective: the denial record

On March 22, 2023, a partial denial letter was issued by FRONTLINE and advising of the payments made on the claim, specifically, a net amount of $164,203.79 (ACV), after the deductible of $19,140.00 and the prior payment of $4,842.35 was applied.

On or about July 29, 2024, Insured executed a requested notarized Sworn Proof of Loss in the amount of $1,322,431.70 (the "SPOL").

In an estimate dated January 5, 2023, Frontline concluded that dwelling damages total $167,742.28 (RCV).

Marshall provided the Insured with a damage estimate in the sum of $873,057.59 RCV and $821.201.88 ACV.

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 $ 639,472.16 and other supporting documentation and/or information.

Therefore, to cure the defects outlined in this Civil Remedy Notice, the carrier must: 1) Pay the complete covered loss in the amount of $531,000.00 less any applicable policy deductible and prior payment(s); and 2) Pay the statutory interest on the amount of unpaid damages from the date of loss to

First Protective has not paid the costs for law and ordinance as provided for in the appraisal award. 9. [name redacted] were also awarded matching costs in the amount of $75,957.09.

On November 17, 2022, the Insurer sent a letter to the Insureds advising that the damages to the Property totaled $4,532.05.

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 $291,200.47 and other supporting documentation and/or information.

An estimate for repair of all damages with respect to the Ayalas' claim was prepared on their behalf for $279,382.06 and was submitted to Frontline.

On September 7,2023, the Insurer sent a letter to the Insureds advising that the damages to the Property totaled $989.13, which is less than the policy deductible of $1,000.00.

Frontline can avoid a lawsuit for bad faith by immediately accepting full coverage under the subject insurance policy for this claim and by paying Ms. [name redacted] $207,934.54, which is the policy limit for coverage A less the 2% hurricane deductible.

Penn's damage estimate of $225,227.53, plus interest, less the applicable deductible.

Frontline chose to rely on its inaccurate, incomplete estimate in issuing an inadequate payment on the claim in the amount of $27,817.31.

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 $203,889 and other supporting documentation and/or information.

On September 23, 2021, the Insurer sent a letter to the Insured advising that the damages to the Property totaled $10,977.46.

In a letter dated December 14, 2022, the Insurer incorrectly determined that the cost to restore the Insured's property to its pre-loss condition was $115,179.01.

The insurer acknowledged minimal coverage of $1,390.85 after application of the deductible.

As required, Frontline went to inspect the property, but Frontline failed to issue any payment to the Insured.

Hall finally prepared an estimate of damages totaling $29,497.59 RCV, but First Protective had not made a claim decision by that date.

Moreover, BAPA determined that at least $153,233.86 (dwelling), 1,825.78 (other structures), and $19.42 (contents), totaling at least $155,079.06 worth of repairs would be required to return the property to its pre-loss condition as a result of the windstorm loss.

Via written correspondence dated November 9, 2024, Insurer advised it has estimated the damages to be $10,952.81, below the policy's $18,026.00 hurricane deductible.

Our estimate to place the insured back to a pre-loss condition totals $143,366.75 after deductible and recoverable depreciation.

The carrier made the unilateral determinations that A) the damages to the property, including the interior would be excluded under the policy and therefore be denied and that B) the damages that were covered failed to exceed the deductible on the policy and that the insured would be entitled to $0 a

Therefore, demand is hereby made as follows: Estimate & HVAC Repair $127,936.36 Less Prior Payments $575.97 Less Deductible $9,831.00 TOTAL $117,529.39 The concept of insurance is that the insurer will investigate and grant timely and prompt indemnity or security against a contingent loss.

Subsequently, the insured prepared a loss package in the amount of $127,472.75 needed to restore the property back to its pre-loss condition.

AND MRS. [name redacted] damage estimate in the amount of $122,127.99 (less any prior payments, depreciation, excess policy limits, and/or deductible), which accurately reflects the true nature and extent of the damages to the Dwelling / Other Structures; (2) Agrees to reimburse MR.

The Insured received an estimate from a contractor for storm damages that included replacement of the roof and totaled $120,566.67 RCV and $117,832.35 ACV.

The insured retained the assistance of a public adjuster who provided an estimate in the amount of $115,830.76.

PAY IN ACCORDANCE WITH THE ESTIMATE PREPARED BY THE INSURED'S PUBLIC ADJUSTER IN THE AMOUNT OF $112,554.61 LESS ANY APPLICABLE DEDUCTIBLE; (3).

Despite this, Frontline chose to prepare and rely on an estimate of only $9,459.56, replacement cost value on the dwelling, that would only allow for an inadequate repair of Zak's roof and resulted in a determination of the damage that fell below the deductible.

Following the May 16, 2024, inspection, by Michael E Peyton, FL [name redacted] #W122720 INSURER advised INSURED that their damages only totaled $9,360.55 Actual Cash Value, and after depreciation and Policy deductible, undisputed insurance benefits in the amount of $6,860.55 would be tendered.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $103,458.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

Stellar inspected the property prepared an estimate of the damage totaling $101,075.50.

In addition to Triad's estimate, the Insured's personal property suffered $14,836.24 in damages.

The insured has been compelled to obtain an independently adjusted estimate totaling in the amount of $88,955.15 that would be needed to repair the property back to its pre-loss condition.

First Protective Insurance Company d/b/a Frontline Homeowners Insurance 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.

The insureds submitted a comprehensive estimate for $83,538.03, accurately reflecting the necessary cost of repairs.

The insured subsequently submitted a detailed loss package with extensive supporting documentation in the amount of $ 77,857.00 which is needed to restore the property back to its pre-loss condition to the carrier.

The Insured's public adjuster also provided a sworn proof of loss, as well as an estimate and other supporting documentation, on August 9, 2024.

String Services has an outstanding balance in the amount of $8,518.54 for their mitigation services.

A repair estimate for the subject roof, provided to Frontline Insurance by a reputable Florida roofing company, totals $77,279.95.

To cure the defects outlined in this Civil Remedy Notice, CARRIER 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 damage

After assessing the damage and the true scope of repairs, the roofing contractor produced an estimate identifying $71,722.70 for just a roof replacement.

The insured has been compelled to obtain an independently adjusted estimate totaling in the amount of $69,324.72 that would be needed to repair the property back to its pre-loss condition.

Thereafter, the FIVE STAR prepared an estimate in the sum of $69,156.68, which FIVE STAR sent to FRONTLINE along with a photographs depicting the water damage sustained to the bedroom, porch and laundry room.

FLAG provided Frontline with photos of the damage, as well as an estimate in the amount of $67,453.[address redacted]ace the home in the pre-loss condition.

Finally, on December 19, 2024, over a month since the EUO, FRONTLINE issued a coverage letter and provided FRONTLINE's low-ball estimate of $1,446.86, which is below the Insured's $2,500.00 deductible.

The insureds submitted a comprehensive estimate for $59,928.25, accurately reflecting the necessary cost of repairs.

Moreover, PPC determined that at least $59,106.91 worth of repairs would be required to return the property to its pre-loss condition as a result of the windstorm loss.

Our estimate to place the insured back to a pre-loss condition totals $58,720.49 after deductible and recoverable depreciation.

The Insured's public adjusting firm, Sky Property Claims Adjusting inspected the property, took photographs and prepared an estimate of $54,816.15 to put the property back to its pre-loss condition.

The insured's representative prepared a detailed estimate for repairs totaling $53,744.37, accurately reflecting the cost of addressing the hail damages.

An estimate for repair of all damages with respect to the Insureds' claim was prepared on their behalf for $52,288.59 and was submitted to Frontline.

However, the Insurer wrongfully determined that it would only require $1,192.67 to restore the insured property to its pre-loss condition, which failed to exceed the policy deductible.

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

The insurer's estimate for damages stands at $2,830.61, an amount that fails to account for the full scope of necessary repairs, while the insureds' comprehensive estimate for restoration totals $47,379.88.

The Insurer informed the Insureds that they are unable to issue payment as the damages to the property totaled $776.20, which is less than the policy deductible of $ 6,580.00.

To cure the defects outlined in this Civil Remedy Notice, FRONTLINE 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 dama

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $ 40,809.36 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.