Defeated by the calendar

Stat. § 626.854(14)(a) After completing its investigation into claim no. [redacted], Frontline determined that the insured a covered loss. [name redacted] Frontline's claim adjuster, sent correspondence dated October 31, 2024, relying solely on Their Field Adjuster's inspection unilaterally estimated that the insured sustained $9,789.73 in damage, a below deductible amount resulting in no benefits to the insured. The Frontline estimate, excluded numerous areas affected by the loss from their repair estimate. The insured has provided FRONTLINE with the following: • Promptly allowing FRONTLINE to inspect the loss • WGAI, LLC Estimate of repairs in the amount of $176,395.10 RCV adjusted to $159,790.10 after adjusting for depreciation and the deductible. • Public Adjuster contact information • A [name redacted] Proof of Loss • Approximately 246 Photographs of the loss, The insured has provid

After providing prompt notice of the loss, Insureds fully cooperated with Cypress's adjustment of the claim, including making their home available for inspection. Despite Cypress acknowledging a significant amount of covered damage, Cypress erroneously refused to tender sufficient payment to actually complete the necessary repairs. Due to the severity of the damage to the property and the interior water damage, Cypress sent out Allied Restoration and Construction on July 1, 2022, to complete an inspection and confirmed significant damage to the home that included the continuous flooring system and kitchen needing to be removed and completely replaced due to interior water damage on a shared inner wall.

The INSUREDS have retained a Loss Consultant, [name redacted] of Donatelle Claim Advisors, who has prepared an estimate of the INSUREDS' damages, which totals $87,476.80. Therefore, demand is hereby made as follows: Estimate $87,476.80 Less Deductible $5,711.00 TOTAL $81,765.80. INSURER must tender to the INSUREDS $81,765.[address redacted]us interest. 4.