On or about April 30, 2014, a heavy rainstorm deposited eight to twelve inches of rain across parts of the state of Maryland, causing substantial damage in some areas. The complaint for this class action alleges that State Farm Fire and Casualty Insurance refused to pay benefits to cover some of the damage to personal property owned by policyholders Debra and Thomas Kennedy.
The class for this action includes all persons whose property in Maryland was insured by the defendants in this case on April 30, 2014 against damages and loss arising from or relating to the storm’s occurrence.
The Kennedys have held insurance policies with State Farm since 1976, the complaint says, which cover a number of things, including damage and loss of personal property. The storm on April 30 caused flooding, resulting in loss and damage to the Kennedys’ property significant enough that State Farm paid out benefits of more than $15,000 for restoration work. However, the complaint asserts that this amount does not nearly cover the losses and that the Kennedys actually suffered loss and damage to their personal property of over $35,000.
In the eleven months preceding the filing of this class action, the complaint says, the Kennedys’ State Farm office and its agent Keith Sigur have refused contact with them and failed to pay the full benefits owed. The couple alleges that the insurer is behaving in bad faith and even misrepresenting facts, such as deadlines, in order to avoid payment, thereby breaching their insurance contract and violating Maryland insurance law. The complaint claims that the object of this refusal to make contact or properly process the claim is to allow the statute of limitation to run out so that the claim becomes barred.
The counts in the complaint include breach of contract, bad faith, misrepresentation, fraud, and deceit, breach of fiduciary duty, and violation of Maryland insurance laws. The complaint seems to have been submitted on a pro se basis, that is, with the Kennedys acting as their own attorney.
Article Type: LawsuitTopic: Consumer
Most Recent Case Event
State Farm Fire and Casualty Insurance Refusal to Cover Personal Property Loss Complaint
July 27, 2017
On or about April 30, 2014, a heavy rainstorm deposited eight to twelve inches of rain across parts of the state of Maryland, causing substantial damage in some areas. The complaint for this class action alleges that State Farm Fire and Casualty Insurance refused to pay benefits to cover some of the damage to personal property owned by policyholders Debra and Thomas Kennedy. The storm caused flooding, resulting in loss and damage to the Kennedys’ property significant enough that State Farm paid out benefits of more than $15,000 for restoration work. However, the complaint asserts that this amount does not nearly cover the losses and that the Kennedys actually suffered loss and damage to their personal property of over $35,000.
state_farm_failure_to_cover_personal_propertry_complaint.pdfCase Event History
State Farm Fire and Casualty Insurance Refusal to Cover Personal Property Loss Complaint
July 27, 2017
On or about April 30, 2014, a heavy rainstorm deposited eight to twelve inches of rain across parts of the state of Maryland, causing substantial damage in some areas. The complaint for this class action alleges that State Farm Fire and Casualty Insurance refused to pay benefits to cover some of the damage to personal property owned by policyholders Debra and Thomas Kennedy. The storm caused flooding, resulting in loss and damage to the Kennedys’ property significant enough that State Farm paid out benefits of more than $15,000 for restoration work. However, the complaint asserts that this amount does not nearly cover the losses and that the Kennedys actually suffered loss and damage to their personal property of over $35,000.
state_farm_failure_to_cover_personal_propertry_complaint.pdf