Mangat v. Amica Mutual Insurance Company

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND HARPAL S. MANGAT, et al., Plaintiffs, v. No. 24-cv-0709-ABA AMICA MUTUAL INSURANCE COMPANY, Defendant. MEMORANDUM OPINION This insurance dispute arises from a fire in 2019 at the home of Dr. Harpal Man- gat and Dr. Harminder Kaur, plaintiffs here. After the fire damaged their house, Plain- tiffs and their insurer Amica Mutual Insurance Company (“Amica”) disagreed over the amounts the homeowners’ policy covered. The parties relied on an appraisal panel to re- solve their disputes, but two disputes linger: whether unanticipated…