Frontline Unlimited: the denial record

The insurer failed to make a claims determination within the prescribed statutory deadline and when the carrier did make payment, the claim payment was woefully deficient.

Based on its field adjuster's estimate, FRONTLINE issued payment totaling $89,978.19, after the application of the deductible and recoverable depreciation.

The insured demands the full value of the covered loss as detailed in the sworn statement in proof of loss: $3,429,926.88.

After its initial inspection, Frontline issued payments of only $688,920.51 for the main building, which failed to include any interior damage, and $61,445.16 for building 2.

The Insured's damages are calculated as follows: $1,864,378.87 ACV for Building damage, less prior payments of $1,184,146.06, less the deductible of $60,000.00, for a total of $620,232.81 ACV due under building coverage.

FRONTLINE has accepted coverage for this loss and has issued 16 checks to the Insured totaling $1,490,363.92.

On that same day, May 15, 2023, the Insured timely submitted the requested SPOL to Frontline claiming Building Damages in the amount of the Mrozek estimate (i.e., $1,418,171.28) before application of the deductible.

The appraisal award called for $385,174.12 in recoverable depreciation which Frontline withheld even though in possession of documentation showing Insureds had already incurred those amounts.

Moreover, AVIVA determined, taking into account the estimate below, that at least $823,596.42 worth of mitigation, remediation, and repairs would be required to return the property to its pre-loss condition as a result of the loss.

To date, MR. [name redacted] has not received any claims determination letter from FRONTLINE, advising him of the decision made regarding his claim with his carrier.

According to FRONTLINE, in a letter dated January 7, 2025, referencing the results of inspections conducted by these individuals, the net allowable payments, following application and deductions of Replacement Cost Values and Policy deductibles, were $0.00 for 254 S.

Storm One Claims LLC prepared an estimate in the amount of $444,565.55 RCV.

Specifically, the Insured, with assistance from their public adjuster, submitted an estimate for $239,158.11, which was a fair and reasonable assessment for the repair/replacement of damages.

Upon reporting the loss, the Carrier assigned a field adjuster who inspected the Property and prepared an estimate for the covered damages in the amount of $8,581.82 that came in under the Insured's applicable hurricane deductible.

Due to the scope and nature of the damage, the Insured retained a public adjuster who, in an estimate dated October 24, 2022, revealed covered damages of $212,040.21 to the dwelling and $12,000 to the screen enclosure.

To this date, there has not been a coverage decision on this claim. - The Insured hired Premier Claims ("Premier") to assist in the proper administration of the insurance claim.

Upon reporting the loss, the Carrier assigned a field adjuster who inspected the Property and prepared an estimate for the covered damages in the amount of $9,553.92 that came in under the Insured's applicable hurricane deductible.

The Frontline estimate, excluded numerous areas affected by the loss from their repair estimate.

In that letter, Frontline advised that it found damages totaling $4,477.19 in Replacement Cost Value (RCV), but applied $1,416.68 in recoverable depreciation and a $3,474.80 deductible, ultimately issuing no payment whatsoever.

Based upon this inspection, Frontline valued the damages as $2,573.01 which fell below the hurricane deductible.

After assessing the damage and the true scope of repairs, the public adjuster prepared an estimate identifying $96,433.18 in covered damage to the dwelling.

After assessing the damage and the true scope of repairs, the public adjuster prepared an estimate identifying $92,322.93 in covered damage to the dwelling.

Currently, the insured wants to be made whole and be properly compensated for the damages that he sustained and the loss of business that he is entitled to which is approximately $91,000.

However, the Insurer wrongfully determined that it would only require $2,094.65 to restore the insured property to its pre-loss condition, which failed to exceed the policy deductible.

The carrier accepted coverage for the loss and issued payment in the amount of $11,853.49.

FIRM timely notified FRONTLINE of the damage sustained to the property and contemporaneously provided an estimate of the damages in the amount of $43,112.13.

Then in a letter dated October 23, 2024, the carrier notified the Insured that it had completed its investigation into the loss and concluded the damages were under the deductible of $6,477.00.

At issue is an estimated $36,649 for repairs to damage to the dock that resulted from Milton (October 9, 2024).

FIRM timely notified FRONTLINE of the damage sustained to the property and contemporaneously provided an estimate of the damages in the amount of $35,800.83.

Subsequently, the Insured submitted a loss package in the amount of $31,049.42 needed to restore the property back to its pre-loss condition to the carrier.

The inspector's recommended total replacement cost was $18,427.75 (Recommended actual cash value: $14,533.66).

Frontline acknowledged the claim and physically inspected the property shortly after.

Included within that policy is hurricane coverage with a hurricane deductible equivalent to $16,000.00.

The denial letter cites "continuous seepage of water" and blames the damage on rodent activity, both of which were not substantiated by the evidence presented.

The Insured timely reported its September 28, 2022, claim from Hurricane Ian to the Insurance Company.

He took only a few photographs of the roof and failed to conduct a thorough evaluation of causation or damages.

Despite having a valid, well documented, and sound legal claim for damages that are well in excess of $3,500,000.00, Frontline Insurance has in most regards ignored their insured, sought to waste the time and resources of the insured with countless inspections, and has yet sadly failed to address th

In its April 4, 2023 letter, Frontline advised that the independent adjuster had confirmed covered wind damage to the Property and that Frontline was issuing payment in the amount of $412,795.44 after applying depreciation and the deductible.

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

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

Moreover, Insurer failed to respond to Insureds' lawyer's Letter of Representation and the request for information.