Milhomme v. Tower Hill Signature Insurance Co.

Following water damage to their home, Mr. and Mrs. Milhomme filed a claim under their homeowners’ insurance policy issued by Tower Hill Signature Insurance Company (“Tower Hill”). A Tower Hill claims service investigated the claim, did not dispute coverage for the date or type of loss, computed actual cash value and replacement value for the damage, and issued a cheek to Mr. and Mrs. Milhomme for the higher of the two values, less the deductible. Tower Hill’s transmittal letter stated that it would consider “supplemental claims for any damages discovered in the covered reconstruction and…