The estimate that comes in low

Hallowell sent the insured a letter indicating that the fire loss was a covered claim and that payments in the amounts of $58,824.05 under Coverage A - Dwelling, and $2,758.00 under Coverage B - Other Structures were being issued. On May 2, 2023, the insured obtained a fire damage new construction estimate from DBR Construction totaling $248,170.73 to re-build the fire destroyed home. On September 28, 2023, [name redacted] Claims Adjusting prepared an estimate totaling $246,447.32 for Coverage A - Dwelling alone, which exceeded the limits of the subject policy.

After assessing the damage and the true scope of repairs, the public adjuster prepared an estimate identifying $88,747.74 in covered damage to the dwelling and $213.57 in damage to contents. However, the Insurer wrongfully determined that it would only require $7,155.57 to restore the insured property to its pre-loss condition. Subsequently, the Insurer re-inspected the property on April 6, 2023, and discovered $31,286.71 in damage.

After assessing the damage and the true scope of repairs, the public adjuster prepared an estimate identifying $172,944.23 in covered damage to the dwelling. However, the Insurer wrongfully determined that it would only require $7,256.56 to restore the insured property to its pre-loss condition. After withholding $2,050.62 as recoverable depreciation, and subtracting the applicable deductible of $2,500.00, the Insurer only issued $2,705.94 to the Insured.