The insurance company allegedly manipulated consumers into purchasing additional rot coverage but never intended to follow through on claims under this coverage. The plaintiffs claim that this failure to cover their damage is a breach of contract, bad faith conduct, and a violation of Pennsylvania consumer protection laws. As a direct and factual result of defendant’s breach of contract, plaintiff has been denied the benefits of its bargain with Travelers.” “Defendant, despite demand for benefits under the policy, has refused without legal justification or cause, and continues to refuse to pay to plaintiff monies owed for the damages. Harlieb indicated that she was not aware of why there was rot coverage as there was no situation for which Travelers would pay for rot,” the couple claims in their recent Travelers class action lawsuit. When investigating the water damage, Harlieb allegedly claimed that she didn’t see how Travelers would pay for the damage despite the couple purchasing additional coverage in their homeowner’s insurance policy. Travelers representative Janene Harlieb allegedly visited the Rose’s house to take a statement from the homeowners after the water damage. Since water damages that occur for a period of weeks, months or years are excluded, your policy does not provide coverage,” said a Travelers letter to the family in October. “Rot is indicative of an ongoing presence of moisture for weeks, months and years. However, their insurance representative reportedly claimed that the broken pipe had been leaking for weeks, months, or years – thus invalidating their coverage.
When a pipe broke in their kitchen and master bathroom in August 2018, the couple expected their homeowner’s insurance to cover the damage.
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