Hail Damage Lawsuit Against Church Mutual Insurance Company
On April 25, 2016, a wind and hail storm swept through Bexar County and caused significant damage to the roof, exterior, and interior of the church’s property. Immediately upon discovering the damage, the plaintiff filed an insurance claim with Church Mutual and asked that the cost of repairs be covered pursuant to the policy. In response to the claim, Church Mutual assigned representatives, adjusters, consultants, and agents to the plaintiff’s file that were inadequate and improperly trained. Specifically, Church Mutual assigned the claim to an internal representative, as the local claims representative charged with assessing damages under the policy.
Church Mutual relied on the representative’s substandard investigation in determining what amounts, if any, to pay on the plaintiff’s claim and failed to perform its own investigation. As a result of the haphazard inspection, misrepresentations, and inadequate investigation, Church Mutual ultimately denied the plaintiff’s claim.
Bad Faith Insurance Lawsuit on Behalf of a Houston Church Against Scottsdale Insurance Company
On August 11, 2015, a windstorm swept through Houston, causing significant damage to the roof, HVAC, exterior, and interior of the church. Immediately upon discovering the damage caused by the storm, the plaintiff filed an insurance claim with Scottsdale and asked that the cost of the repairs be covered pursuant to the policy. In response to the windstorm claim, Scottsdale assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequately and improperly trained. Specifically, Scottsdale assigned the claim to an adjuster who would violate standard insurance practices when directed to do so by Scottsdale.
Scottsdale relied solely on the adjuster and its preferred vendors to determine what amounts, if any, to pay on the claim and did not perform its own investigation. Scottsdale and its adjuster misrepresented the policy, stating certain damages were not covered, when in fact they were. As a result of the incomplete and unreasonable investigation, Scottsdale grossly underpaid the plaintiff’s claim.
Hail Damage Lawsuit Against GuideOne Insurance
During a hailstorm on March 28, 2014 in Killeen, Texas, the plaintiff incurred severe property damage to the roof, exteriors, interiors, and HVAC system of the property. Immediately after the storm, the plaintiff filed an insurance claim under its policy with GuideOne for damages sustained from wind and hail. GuideOne assigned adjusters, consultants, and agents to evaluate and handle the plaintiff’s church damage claim. GuideOne assigned an internal adjuster to be the local adjuster charged with assessing damages under the insurance policy.
Our client asserts that this adjuster was improperly trained and not equipped to handle this type of claim. The adjuster failed to perform a thorough investigation of the claim, and did not share estimates with our client. The adjuster retained a preferred vendor to visit the property that was not qualified to evaluate this type of loss at this type of property. As a result of the haphazard processing of the hail damage claim and the shoddy work of an unqualified vendor, the claim was completely denied and no payments were issued.
Windstorm Damage Lawsuit Against Mid-Century Insurance Company
On January 22, 2015, a windstorm swept across Brazoria County and caused substantial damage to our client’s property. As a result, the roof, exteriors, and interiors of the property suffered damage. Upon finding the damage, our client immediately filed a commercial property insurance claim with Mid-Century to compensate for the damages.
In response to the claim, Mid-Century assigned representatives, adjusters, consultants, and agents to the plaintiff’s file who were inadequately and improperly trained. Specifically, Mid-Century hired a local claims representative who failed to perform a thorough investigation of the claim and refused to acknowledge all of the damages to the property in his report, despite being shown the obvious damages. Due to the claim representative’s haphazard inspection and the local adjuster’s unlicensed estimates, the plaintiff’s commercial property insurance claim was grossly undervalued. Mid-Century continues to deny payment on the damages it did accept, which has caused the plaintiff economic impact, worry, distress, and continuing physical damage to the property.
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