United Specialty: the denial record

As discussed in greater detail in the notice, the carrier has not attempted in good faith to settle the insureds' claim when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insureds and with due regard for their interests.

On September 27, 2022, USIC denied the claim (apparently without any investigation).

Seven months later, on October 25, 2025, and after [name redacted] wrote to USIC to dispute the coverage denial, USIC advised the matter was "under review".

For nearly two years, USIC has refused to issue a coverage determination as to [name redacted] 's tender of defense, nor has USIC provided [name redacted] with a defense in the Lawsuit.

This civil remedy notice is being filed because United Specialty Insurance Company ("USIC") has failed to address [name redacted] LLC's ("[name redacted] ") tenders of defense in good faith.

This civil remedy notice is being filed because United Specialty Insurance Company ("USIC") has failed to address [name redacted] LLC's ("[name redacted] ") tenders of defense in good faith.

To date, USIC has failed to provide [name redacted] with a defense in the Lawsuit.

Nonetheless, USIC has failed to respond to [name redacted] 's tenders of defense.

On May 6, 2025, the insured's counsel received a report from the claimants' counsel showing that one component of the claimants' damages the cost to rebuild their home plus prejudgment interest far exceeded the $1,000,000 policy limits; the total was approximately $2.35 million.

Management was notified of the leak and the source was identified as a leaking pipe coming from the unit located directly above Ms.

A pile of unsecured sheetrock was left by insured and fell on Claimant's leg resulting in injury that has ongoing complications leading to multiple surgeries and ongoing treatment.