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Allstate sued after valuing fire-damaged home at $25K

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Jeff and Tania Kacha own a custom home, which was completed in 2002. In October 2003, the house and its contents were severely damaged by heat and smoke in a wildfire. Homes on three sides of the Kacha home burned to the ground. Allstate Insurance Co. held a homeowner's insurance policy on the Kacha home. After the fire, Allstate valued the cost to clean up the residence and its contents at $25,800, which Allstate promptly paid to the Kachas. Purchase Bob Bruss reports online. However, Jeff Kacha refused to cash the check because, he argued, the damage was much more extensive. He hired Kevin Dawson, a licensed public adjuster, to present Kacha's claim to Allstate. Unable to reach an agreement on the loss amount, which Kacha argued was $639,689, in 2004 he demanded an appraisal, as provided in the Allstate homeowner's policy. Allstate resisted, claiming the appraisal was premature. Kacha sued Allstate, asking the court to appoint an appraisal panel to evaluate the loss. After investiga...