Westchester Surplus Lines: the denial record

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 $ $18,250,563.43 in damages before the deductible.

An estimate for repair of all damages with respect to [name redacted] 's claim was prepared on their behalf for $1,954,972.53 was sent to Chubb.

Limit of Insurance 1 1 $835,000 1 2 $830,000 1 3 $835,000 These coverages are subject to a 5% windstorm or hail deductible.

License #W426510) confirming partial coverage, denying the remainder, issuing partial payment for only $241,875.29, and failing and refusing to pay all amounts due and owing for the loss.

On December 29, 2022, Plaintiff engaged the services of a public adjuster, All Service Adjusting, to assist with the claim, who on December 30, 2022, produced a repair estimate totaling $404,482.40.

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

Based upon this inspection, Westchester issued payment of $33,168.38 for interior water damages to the property and roof damage, however, failed to account for the money needed to replace all flooring, walls and ceilings that were damaged from the water intrusion, in addition failed include payment

Elevate immediately sent their estimate to Westchester, which estimated the scope of damage to be $171,171.05, more than double the evaluation made by Westchester.

After assessing the damage and the true scope of repairs, the public adjuster produced an estimate identifying $121,128.78 in covered damage to the dwelling.

Without providing the method or means by which the property was valued, the Carrier simply concluded the value of the Property to be $340,032.00.

The field adjuster's estimate, a document pivotal to the determination of the claim's worth, was manipulated without the knowledge or consent of THE INSUREDS.

Breach of contract; failure to pay covered loss; denial of claim; failure to properly evaluate loss; bad faith in claims handling.