The retained engineer

Given the vastly underestimated cost of repairs, the Insured's disagreement with the coverage decision, and the scope and nature of the damage resulting from the loss, the delays in payments for incurred costs, the Insured disputed the coverage determination and submitted a sworn statement in proof of loss for $207,591.39 which was a fair and reasonable assessment of the loss and included incurred ALE expenses to date. The [name redacted] 's retained the services of [name redacted] Consultants, LLC who is a licensed contractor to provide a estimate of the damages which totaled $130,804.[address redacted]orage of personal property. Also, on August 29th, 2024 [name redacted] provided Vyrd with another incurred ALE expense from AirBNB for $8,923.66 and again asked for contact information for who will be reinspecting as no one has reached out.

After assessing the damage and the true scope of repairs, the public adjuster produced an estimate identifying $54,211.56 in covered damage to the dwelling. Thereafter, the Insurer sent another claims determination letter dated December 12, 2024, advising that it was maintaining its denial of coverage for the Insured's roof damage but extending coverage in the amount of $916.42 for some unknown damage. According to the claims determination letter, the Insurer's engineer observed damage to the roof but attributed the cause of this damage to several causes excluded under the policy.

However, the Insurer wrongfully determined that it would only require $2,882.88 to restore the insured property to its pre-loss condition. After assessing the damage and the true scope of repairs, the public adjuster produced an estimate identifying $53,561.94 in covered damage to the dwelling and $1,312.[address redacted]ructures. The Insurer and its agents conducted cursory and inadequate investigations and wrongfully denied coverage for the Insured's roof damage as well as wrongfully determining that it would only require $2,882.88 to restore the insured property to its pre-loss condition.