When a coastal storm tore through their property, the owners of a small marina did everything right: documented the damage, filed promptly, and waited. The denial letter arrived six weeks later.
The Challenge
The carrier attributed the destruction to “pre-existing wear,” relying on a drive-by inspection that lasted eleven minutes.
Our Approach
We commissioned an independent engineering report, deposed the carrier’s adjuster on the inspection record, and filed a bad-faith action when the carrier refused to reconsider.
The Outcome
The carrier reversed its denial and paid the full policy limit, plus the cost of the engineering report.
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