The Eighth Circuit Court of Appeals ruled that a reasonable jury could find that an insurer breached its policy in Wood v. Foremost Ins. Co., No.06-1904, 2006 WL 3802168 (8th Cir. Dec. 28, 2006).

 

Douglas and Caroline Wood's roof was damaged by a tornado. They immediately filed a claim with their homeowners insurer, Foremost. The Woods claimed they promptly forwarded a roofing company estimate to Foremost, who refused it. Foremost alleged it did not receive an estimate until about six months after the loss, but the Woods said they submitted the same estimate three times following the first refusal.

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