Migliaccio & Rathod LLP is investigating whether Kansas homeowners have been denied additional rebuilding benefits promised under extended replacement cost endorsements included in their insurance policies.
Some homeowners policies provide additional coverage beyond the standard dwelling limit when the cost of repairing or rebuilding a home exceeds that limit. Depending on the policy, this protection may provide an additional percentage of coverage if the homeowner satisfies certain requirements, including conditions involving repairs or rebuilding.
Migliaccio & Rathod is investigating whether insurers incorrectly calculated these additional benefits, treated them as already included in the base dwelling limit, or denied qualifying homeowners the extended replacement cost coverage they purchased.
Homeowners May Have Experienced:
- Being denied additional rebuilding funds after exhausting the standard dwelling coverage limit;
- Having extended replacement cost benefits calculated from an incorrect amount;
- Being told additional coverage was already included in the original policy limit;
- Receiving less than the amount promised by an applicable endorsement;
- Having qualifying rebuilding expenses excluded from the insurer’s calculation; or
- Paying substantial rebuilding costs that may have qualified for additional coverage.
Potential Claims May Include:
- Failure to honor extended replacement cost endorsements;
- Incorrect calculation of additional rebuilding benefits;
- Breach of insurance contract;
- Improper denial or underpayment of covered benefits; or
- Violations of applicable insurance laws.
Signs You May Be Affected:
- You had a Kansas homeowners insurance policy;
- Your policy included extended or enhanced replacement cost coverage;
- Your home suffered a covered fire, storm, or other substantial loss;
- Rebuilding costs exceeded the standard dwelling coverage limit;
- Your insurer denied or reduced additional coverage despite your satisfying the endorsement’s requirements; or
- You have the endorsement, rebuilding estimates, and claim payment records.
If you believe you experienced this issue, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call.