Slide: the denial record

AND MRS. [name redacted] damage estimate in the amount of $827,461.38 (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.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $456,450.71, less any applicable deductible and prior payment to the Insured, to complete the repairs for the Insured property.

Based upon SIC's investigation and property inspection SIC has denied the claim and in fact "closed" the claim.

The entire purpose of insurance is defeated if those involved with insurance adjustment can refuse or delay the prompt and full payment of monies due under the policy/contract.

Further, this amounts to a misrepresentation from Slide by standing on its unsubstantiated estimate of $5,500.

Whereas, the carrier furnished a wrongful estimate and, having withheld the deductible, offered a deficient payment in the amount of $166,175.13 only, leaving a remainder in the amount of $111,538.94 to be paid in order to cure the breach, less any applicable policy deductible.

Slide made a low-ball coverage decision that broadly ignored the damage sustained to the Property valuing the damage at $3,102.29, after withholding the deductible and deprecation.

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 $236,082.13 and other supporting documentation and/or information.

Based on the insufficient adjustment of the claim as outlined herein, Slide on or about October 16, 2023, issued a wholly unsatisfactory valuations of $4,952.57 (replacement cost value) and $4,729.46 (actual cash value) for the loss.

Without waiting for Precision Claim Solutions to provide their findings, on February 14, 2023, Slide sent a letter to the Insured opening coverage and making payment for $383.48 (based upon Mr. [name redacted] 's estimate of $8,326.48 subject to the policy deductible of $7,943.00).

Therefore, demand is hereby made as follows: Estimate $185,727.04 Less Prior Payments $6,558.81 Less Deductible $10,060.00 TOTAL $169,108.23 The concept of insurance is that the insurer will investigate and grant timely and prompt indemnity or security against a contingent loss.

On October 27, 2024, the Insurer sent a letter to the Insured advising that the damages to the Property totaled $13,753.29.

AAA conducted a thorough investigation and submitted a detailed estimate of the damages totaling $176,185.81, along with a Sworn Proof of Loss.

Stellar inspected the property and found $162,867.28 worth of damages to the dwelling.

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 $154,780.85 and other supporting documentation and/or information.

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 $147,427.16 and other supporting documentation and/or information.

After assessing the damage and the true scope of repairs, the public adjuster produced an estimate identifying $141,091.45 in covered damage to the dwelling.

A field adjuster went to the home and wrote up a very deficient estimate in the amount $13,951.16.

Specifically, the Insureds, with assistance from their public adjuster, submitted an estimate for $133,325.24, which was a fair and reasonable assessment for the repair/replacement of damages.

On or about October 14, 2024, the Public Adjuster prepared an estimate for repairs totaling $47,921.06 and forwarded same to Slide.

The insured has been compelled to obtain an independently adjusted estimate totaling in the amount of $ 125,737.00 that would be needed to repair the property back to its pre-loss condition.

The insured provided an estimate in the amount of $113,014.09, however Slide has continued to fail to pay the insured.

Specifically, the Insureds, with assistance from their public adjuster, submitted an estimate for $110,574.55, which was a fair and reasonable assessment for the repair/replacement of damages.

Moreover, Coastal determined that at least $109,734.05 worth of repairs would be required to return the property to its pre-loss condition as a result of the hurricane loss.

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 $109,575.87 and other supporting documentation and/or information.

PUBLIC ADJUSTER conducted a thorough investigation, including preparing a repair estimate totaling $102,929.35 including Personal Contents in the amount of $12,495.63, food loss in the amount of $720.09, and Additional Living Expenses in the amount of $9,153.00.

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 $102,142.37 and other supporting documentation and/or information.

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 $97,793.43 in damages after the deductible.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $ 96,837.58 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

Slide has failed to create and implement adequate guidelines for the proper investigation and evaluation of claims, claims handling, and for training and supervision of employees resulting in statutory violations as set forth above.

The carrier has done everything possible to delay the claim and refuses to provide any sort of status of the claim.

Subsequently, the insureds prepared a loss package in the amount of $85,370.29 needed to restore the property back to its pre-loss condition.

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.

On November 7, 2024, the Insurer sent a letter to the Insureds advising that the damages to the Property totaled $12,703.69.

Despite Slide finding coverage for his claim, it incorrectly deducted the subject policy's $8,069 Hurricane Deductible and significantly undervalued Mr. [name redacted] 's claim at only $275.40.

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 $75,231. and other supporting documentation and/or information.

Therefore, demand is hereby made as follows: Estimate $62,436.81 Less Prior Payments $0.00 Less Deductible $6,815.00 TOTAL $55,621.81 The concept of insurance is that the insurer will investigate and grant timely and prompt indemnity or security against a contingent loss.

The Insureds received an estimate for storm damages that included replacement of the roof and totaled $62,171.30 RCV.

The insurance company has failed and/or refused to thoroughly, accurately, and completely investigate and evaluate the claim of loss of its insured and has failed to pay for covered damages in breach of the insurance policy.

TRIUMPH conducted a thorough investigation and submitted a detailed estimate of the damages totaling $56,002.51, along with a Sworn Proof of Loss.

ILGPA, on behalf of the Insureds, forwarded said estimate which fully detailed the Insureds' damages and total $55,456.95.

Indeed, a tarp mitigation invoice as well as an estimate for repair of all damages were prepared on behalf of the Gagers totaling $52,339.69 and were submitted to Slide; well above the amount estimated by Slide.

The insured provided the carrier with estimates as well as photographs of all the damages and an estimate in the amount of $49,129.36.

Howell concluded that a water loss caused the damages to the Property and estimated that at least $23,814.96 was needed to restore the dwelling to its pre-loss condition.

On or about August 14, 2023, the Public Adjuster produced an estimate totaling $44,757.11 in actual cash value ("ACV") for the damages.

FIRM timely notified SLIDE of the damage sustained to the property and contemporaneously provided an estimate of the damage in the amount of $44,509.66.

Whereas, the carrier wrongfully represented the damages to the insured's property to be below the policy deductible.

Subsequently, the insured prepared a loss package in the amount of $42,481.60 needed to restore the property back to its pre-loss condition.

Less Insured's Hurricane deductible of $9,180.00 totals a net loss of $31,475.07.

Subsequently, the insureds prepared a loss package in the amount of $39,705.99 needed to restore the property back to its pre-loss condition.

Upon information and belief, Bailey created an original estimate of covered damages that was $24,876.13.

Upon information and belief, Bailey created an original estimate of covered damages that was $24,876.13.

Subsequently, the insured prepared a loss package in the amount of $36,771.70 needed to restore the property back to its pre-loss condition.

The insured knew this was not an accurate representation of the damages and provided an estimate in the amount of $35,447.55 However, Slide failed to make any additional payments.

The insured promptly reported the loss and fulfilled all post-loss obligations under the policy.

Whereas, the carrier furnished a wrongful estimate and, having withheld the deductible, offered a deficient payment in the amount of $8,242.92 only, leaving an approximate remainder of $23,255.79 to be paid in order to cure the breach, less any applicable policy deductible.

The carrier improperly evaluated the claim and wrongfully found the cost to repair and/or replace the damages to be below the applicable policy deductible of $6,534.00.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $18,850.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

Mr. [name redacted] recommended $15,000 in reserves but failed to conduct any investigation into the repairability of the screen enclosure or estimate the cost to repair or replace same.

Slide has failed and/or refused to thoroughly, accurately, and completely investigate and evaluate the Insureds' insurance claim for damages.