Today I filed a lawsuit against Fidelity National Insurance Company for its denial of a flood claim arising out of Tropical Storm Fay. Fidelity is a "write your own" insurer under the National Flood Insurance Program which is administered by the Federal Emergency Management Association. In this case, Fidelity claims that the damages are less than $25,000, while our public adjuster has set the damages at over $120,000.
I also sued the insurance agent who issued the policy for negligence. The agent advised my client that she had a $5,000 deductible, however she was actually given a $50,000 deductible.
I will keep you posted.
For those of you who deal with flood claim, please remember the absolute requirement that the proof of loss be filed within 60 days of the loss.