After having their sliding ripped off by Hurricane Katrina, Russell and Amy Gils’ insurance company, Allstate, agreed to replace a portion of the house’s siding. However, when the couple later submitted their $16,500 claim, Allstate denied that claim.
The couple has since filed a breach of contract lawsuit against the Allstate Texas Lloyds Company. The Gils claim that when an adjustor inspected the damage in October 2005, he “failed to conduct a proper investigation and inspection and prepared an inadequate estimate for the cost to repair the dwelling and roof of the home.”
In February 2006, the Gils received a proposal from Weston Construction to remove and replace the siding with new siding in the amount of $16,500 since the old siding could not be matched. The Gils provided this information to Allstate, and four days later they received a letter from an Allstate adjuster denying their claim to replace all the siding to their home and garage. The suit alleges that Allstate in bad faith misrepresented the replacement cost coverage that plaintiffs had purchased.
To date, Allstate has failed and refused to pay the Gils for the proper repair and replacement of the siding to their garage and home. The couple alleges Allstate is guilty of breach of contract, violating sections of the Texas Insurance Code, violating the Deceptive Trade Practices Act, and breach of good faith and fair dealing.
The Gils are demanding a trial by jury.
If you or a loved one has been the victim of bad faith insurance companies in Denver or anywhere in Colorado, please contact the Insurance Bad Faith Attorneys at Andrew T. Brake, P.C.
