Insurance coverage sought for wind and wind-driven rain damage to home during Hurricane Isaac

A plaintiff claims that insurance adjusters misreported wind and wind-driven rain damage to their home due to Hurricane Isaac. A. Claude Cutitto filed suit against Louisiana Citizens Property Insurance Corporation, Bankers Insurance Group and I. S. Forensic LLC in the Orleans Parish Civil District Court on Aug. 14. The plaintiff claims that his insurance policy provides coverage for total losses in the amount of $470,000, but that defendant has paid nothing on the claim after applying the $17,500 deductible. He claims that inspections provided by the adjuster first reported less than $5,000 damage to the home and later approximately $10,085, both well below the plaintiff’s contractor’s estimates showing more than $82,000 in damage. The opinion of an engineer for US Forensics was allegedly submitted months after the initial damage and well after the home had already been repaired. In addition, the plaintiff claims that the defendants obscured or ignored evidence, failed to adjust and pay their claim, improperly assessed damages to the plaintiff’s home and misrepresented terms of its policy by asserting that certain claims fell under its policy exclusions and were not caused by covered causes.