Ural v. Encompass Insurance Co. of America

*564On February 10, 2006, a water pipe burst in the second floor of the plaintiff’s house, causing extensive water damage. The home was covered by a homeowners’ insurance policy issued by the defendants Encompass Insurance Company of America and Encompass Insurance Company (hereinafter together Encompass). Following the occurrence, the plaintiff filed an insurance claim with Encompass. However, after a year of attempting to negotiate a settlement, and after receiving what he considered inadequate offers and improper mold remediation efforts from Encompass, the plaintiff commenced this action…