Homeowners Choice Property & Casualty: the denial record

Homeowners Choice has accepted coverage in part, but grossly underestimated the scope and amount of the loss, and in the more than two (2) years since the loss, has paid just $44,160.91 after application of the $16,102.00 deductible.

In total, the estimate presumes the entirety of the damage to the Property could be repaired for only $7,153.44.

On December 19, 2022, HOMEOWNERS CHOICE submitted a Payment Letter to MR. [name redacted] for $72,945.78 for Dwelling damages (Coverage - A).

However, Homeowners Choice has unreasonably disregarded this estimate and instead offered an unsubstantiated, lowball settlement amount of $19,500, which is insufficient to cover the necessary repairs.

Despite the extensive and apparent damage, Homeowners Choice conducted a limited and inadequate investigation, producing an estimate of only $18,950.51, which grossly underestimates the true cost of repairs.

Winborne's single inspection, the Insurance Company accepted coverage for the loss and issued payment to the Insureds for only $20,305.23.

At the same time, Mr. [name redacted] through ICA Public Adjusters, investigated and adjusted the loss, determining a value of the Loss under Coverages A at $115,269.18 for roof and interior repairs.

On or about December 27, 2022, HCI sent a letter, damage estimate and lowball payment of $107,759.97 for the Claim, which represented a fraction of the Actual Cash Value truly owed to the Insured.

Specifically, the Insured, with assistance from their public adjuster, submitted an estimate for $102,472.39, which was a fair and reasonable assessment for the repair/replacement of damages.

This estimate totaled $33,032.91, and after deductible and depreciation resulted in payment of just $17,553.53 for the loss.

AAA timely sent their estimate to Homeowners Choice, which estimated the scope or damage to be $96,571.00, almost 95 times more than the evaluation made by Homeowners Choice.

After assessing the damage and the true scope of repairs, the public adjuster produced an estimate identifying $52,755.96 in covered damage.

Whereas, the carrier furnished a wrongful estimate and, having withheld the deductible, offered a deficient payment in the amount of $2,185.98 only, leaving a remainder in the amount of $87,816.03 to be paid in order to cure the breach, less any applicable policy deductible.

Homeowners Choice has acknowledged the hail and wind damage to the roof, interior ceilings, gutters and window screens but has failed to issue an adequate estimate for repairs.

Therefore, demand is hereby made as follows: Estimate $73,532.36 Less Prior Payments $10,389.36 Less Deductible $15,050.00 TOTAL $48,093.00 The concept of insurance is that the insurer will investigate and grant timely and prompt indemnity or security against a contingent loss.

The Insured has obtained a rebuild estimate of $60,121.29 from National Restoration, and a mold remediation estimate of $9,713.18 from National Restoration.

On March 8, 2024 365 days after the first notice of loss HCPCI issued a partial denial letter, offering a mere $10,000.00 under the Mold Coverage limit, while refusing to pay for the full extent of the water damage, including necessary repairs to return the property to its pre-loss condition.

NATIONWIDE inspected the damage to the property and generated a true and accurate estimate of the damages in the amount of $61,769.00.

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 $54,539.82 and other supporting documentation and/or information.

After assessing the damage and the true scope of repairs, the public adjuster produced an estimate identifying $51,524.16 in covered damage to the dwelling.

The insured has been compelled to obtain an independently adjusted estimate totaling in the amount of $49,000.00 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

He subsequently prepared an estimate of damages dated October 5, 2024, with an RCV of $46,027.39 and an ACV of $41,800.28 as to his assessment of losses caused directly by Hurricane Helene.

License #W452081) confirming partial coverage, denying the remainder, issuing payment for only $4,845.08, and failing and refusing to pay all amounts due and owing under the Policy for the loss.

ICA immediately sent their estimate, which estimated the scope or damage to be $43,310.72, to HCPCIC along with a request for additional payment, but HCPCIC failed to issue any further payments to the Insureds.

After assessing the damage and the true scope of repairs, the public adjuster prepared an estimate identifying $43,222.75 in covered damage to the dwelling, $2,840.[address redacted]ructures, and $716.80 in damage to contents.

Homeowner's Choice initial valuation of damage was estimated to be merely $9,278.78 as per an estimate dated from November 2022, immediately following the storm's aftermath.

Gonzalez completed an estimate totaling the damages at $36,522.62 in Actual Cash Value.

It prepared a good faith estimate to replace the roof that totals $34,384.41.

In order to cure Homeowners Choice Property & Casualty InsuranceCompany, Inc.'s continuous acts of bad faith, Homeowners Choice Property & CasualtyInsurance Company, Inc. must issue payment for the invoiced amount of $ 27,744.38 and whichhas a current balance of $ 26,259.38; as well as, statutory in

On or about December 20, 2022, HCI sent a letter, damage estimate and lowball payment of $26,124.76 for the Claim, which represented a fraction of the Actual Cash Value truly owed to the Insureds.

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

As a result of the review, Homeowners issued its claim decision for the loss, providing $3,498.89 in payment.

In order to cure Homeowners Choice Property & Casualty InsuranceCompany, Inc.'s continuous acts of bad faith, Homeowners Choice Property & CasualtyInsurance Company, Inc. must issue payment for the invoiced amount of $ 12,702.77 and whichhas a current balance of $ 10,002.77; as [name redacted] as, s

The Insurer replied with an estimate dated October 27, [address redacted]ating that only $2,586.97 was due to their Insured at that time for the substantial damage.

In order to cure Homeowners Choice Property & Casualty InsuranceCompany, Inc.'s continuous acts of bad faith, Homeowners Choice Property & CasualtyInsurance Company, Inc. must issue payment for the invoiced amount of $ 2,500.00 and whichhas a current balance of $ 1,244.00; as well as, statutory inte

On March 15, 2024, Homeowners' Choice issued its' coverage decision and advised the Insured that if the roof was replaced and documentation shown the depreciated value of $2,449.86 would be paid.

The insurance company paid $1,452.91 under coverage B and $217.19 under coverage A.

THE INSURANCE COMPANY FAILED TO PERFORM A PROPER INVESTIGATION AND EVALUATION OF THE CLAIM AND THEREFORE, IMPROPERLY UNDER ESTIMATE FOR PLAINTIFF'S LOSS AND DAMAGES.

The Insurance Company performed an inspection of the property during its investigation of the claim but failed to retain experts necessary to identify all the repairs necessary to restore the property to its pre-loss condition as required by the subject insurance policy.

Upon learning of the damage, Insured promptly reported a claim for damage to Insurer.

In order to cure Homeowners Choice Property &Casualty Insurance Company, Inc.'s continuous acts of bad faith, Homeowners Choice Property& Casualty Insurance Company, Inc. must issue payment in the amount of $ 46,023.43; as wellas, statutory interest.

In order to cure Homeowners Choice Property &Casualty Insurance Company, Inc.'s continuous acts of bad faith, Homeowners Choice Property& Casualty Insurance Company, Inc. must issue payment in the amount of $ 42,551.03; as wellas, statutory interest.

Homeowners Choice has failed and/or refused to thoroughly, accurately, and completely investigate and evaluate the Insured's insurance claim for damages.

However, said partial payment was woefully inadequate, and does not come close to compensating Insured for her total post-deductible damages in the amount of $58,133.53.

In order to cure Homeowners Choice Property &Casualty Insurance Company, Inc.'s continuous acts of bad faith, Homeowners Choice Property& Casualty Insurance Company, Inc. must issue payment in the amount of $ 32,566.04; as wellas, statutory interest.

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.

However, Insurer failed to honor Insureds' claim and compensate them for the covered losses and, instead, denied said claim in full.

In order to cure HomeownersChoice Property & Casualty Insurance Company, Inc.'s continuous acts of bad faith,Homeowners Choice Property & Casualty Insurance Company, Inc. must issue payment in theamount of $ 132,871.94; as well as, statutory interest.

In order to cure HomeownersChoice Property & Casualty Insurance Company, Inc.'s continuous acts of bad faith,Homeowners Choice Property & Casualty Insurance Company, Inc. must issue payment in theamount of $ 101,701.43; as well as, statutory interest.

In order to cure Homeowners Choice Property &Casualty Insurance Company, Inc.'s continuous acts of bad faith, Homeowners Choice Property& Casualty Insurance Company, Inc. must issue payment in the amount of $ 71,356.62; as wellas, statutory interest.

This second estimate failed to fully indemnify the Insured for her sustained damage and only adjusted for Coverage A of the Policy.