My client sustained damage to his roof from Tropical Storm Fay. After the storm, he found many of his shingles in his yard. He called a roofer who confirmed that he had sustained wind damage to his roof, and that his roof needed to be replaced. He also called his homeowner’s insurer who stated that all of his roof damage was due to the roofer tarping his roof. (The roofer had to tarp his roof to keep water from pouring in when it rained.
Today, I filed suit against my client’s homeowners insurer for breach of contract. As is generally the case, if I win the insurance company has to pay my fees and costs, and if I lose, I work for free.