The complaint alleged several instances of the insurer’s bad-faith conduct, including the following:
1. Allstate “failed to fairly and adequately evaluate Plaintiff’s claim or make a reasonable effort to negotiate a timely settlement of the claim.”
2. Allstate “assigned multiple claim representatives who were unaware of the history of Plaintiff’s claim, refused to acknowledge receipt of engineering reports submitted by Plaintiff and Ridley Township and failed to acknowledge or respond to proofs of loss that Plaintiff submitted.”
3. Allstate denied the “claim without engaging its own engineering expert.” Plaintiff alleged that she was forced to hire (out-of-pocket) the services of a public insurance adjuster and obtain an Appraisal, which showed that Allstate had drastically undervalued her claim.
4. Allstate “[e]ventually … reversed its coverage determination and provided coverage, admitting that its denials of the claim had been unsubstantiated, but this was not until 5 months after Plaintiff submitted her claim.”
