Wind moved into the water exclusion

Having thus acknowledged the claim as a covered loss, Stillwater agreed to tender a net payment of $8,905.34 (computed as $12,205.10 Replacement Cost Value ("RCV"), less $2,799.76 for recoverable depreciation and $500 for the policy deductible). As the result of that reinspection, Stillwater provided a supplemental adjustment of the claim in the net payable amount of $14,455.64 (computed as $19,329.32 RCV, less $4,373.68 for recoverable depreciation and $500 for the policy deductible). Still believing that Stillwater had not adjusted the claim in good faith, [name redacted] retained the services of [name redacted] Claim Public Adjusters ("GYC"), and based on the findings of GYC, [name redacted] submitted a sworn proof of loss ("SPOL") on September 3, 2024, claiming property damage in the amount of $103,241.81, and a net amount of due under Coverage A of $102,741.81, after application of

The carrier also retained Independent Forensics Group, a biased engineering firm routinely used to confirm the carrier's coverage decisions, to perform an inspection On October 2, 2024, Independent Forensics Group performed an inspection of the Subject Property. On or about January 8, 2025, Coastal prepared a repair estimate to return the Subject Property to its pre-loss condition as a result of the destruction caused by the winds associated with Hurricane Helene, including the damaged contents and fair rental value, which totaled $594,180.05. As such, the letter respectfully requested that Security First reverse their initial denial of the claim and extend full coverage and payment for the loss according to the limits of the policy: $211,000.00 under Coverage A; $30,000.00 under Coverage C; and $21,100.00 under Coverage D.

The correspondence then alleges the carrier is relying on an engineer to deny the claim, but does not provide the report or any document authored by the engineer with their findings. Inclusive of the documents provided was an engineering report detailing the causation of the total loss as a result of wind alone. In the instant matter the carrier refused to acknowledge the veracity of the findings of the insureds' engineer, and instead chose to deny all applicable benefits due and owing.