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The Rough Notes Company Inc.

Court Decisions

REJECTION REMAINS

Rejection remains John O’Donnell was insured under a $2 million personal umbrella liability policy issued in September 2011 by Allstate Indemnity Company. On September 27, 2011, O’Donnell submitted to Allstate a completed New Hampshire personal umbrella policy uninsured motorist selection/rejection form. The form O’Donnell signed provided that “[t]he following selection or rejection [of uninsured motorist coverage] will apply now and to all future renewals or continuations of my policy unless

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RAINDROPS KEEP FALLING ON MY HEAD

Raindrops keep falling on my head Yesenia Valentin owned property in Florida that was insured under a homeowners policy with People’s Trust Insurance Company. The policy included a preferred contractor endorsement. In July 2017, Valentin’s house sustained water damage from an apparent roof leak. According to the allegations of People’s Trust’s complaint, the insurer repeatedly requested several documents from Valentin prior to the filing of the underlying suit, including a

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PIP IN THE BALANCE: MUST INSURER PAY?

PIP in the balance: Must insurer pay? Victor Caballero was involved in an accident while driving a vehicle that was insured under a personal auto policy issued by State Auto Property and Casualty Insurance Company to Maria Caballero, Victor’s wife. Victor sustained injuries and was treated by Bronson Health Care Group, Inc. He assigned to Bronson his right to seek payment of personal protection insurance (PIP) benefits under the Michigan

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HOLD YOUR NOSE

Hold your nose Accessories, Ltd., which was owned by Jacob and Lisa Zukoff, was located at the corner of 1st Street and Washington Avenue in Moundsville, West Virginia. On January 7, 2017, the sewer flooded the Accessories, Ltd., premises. On that day, at around noon, J.R. Logsdon, an employee of the Moundsville Sanitary Board, was informed that a local resident heard gurgling sounds in her basement, which was indicative of

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BOTH SIDES NOW: LIE VOIDS COVERAGE

Both sides now: Lie voids coverage Jose and Hilda Alvarez owned a house that was insured under an all-risks homeowners policy with State Farm Florida Insurance Company. In 2009, the Alvarezes experienced kitchen drain problems. A plumber replaced and rerouted the kitchen drain line. The Alvarezes experienced bathroom backups and attempted to correct the drainage problems. In 2010, with the assistance of a public adjuster, they filed a claim with

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