My client, a water extraction/remediation firm, was retained by a condominium association to assist with a large water loss. The water extraction firm agreed to perform the work, and the association assigned to it any claims against the condo association’s insurer in the event the insurer failed to pay – which is exactly what happened. (Many of my clients who are vendors take this type of assignment so that they can pursue the insurance claim and the insured does not have to go to the trouble).
This is another case where the insurer has not technically "denied" the claim. They have simply done nothing after having the claim for months. Suit was filed this week against the condo associations insurer for breach of contract.