The District Court for the Eastern District of Pennsylvania determined that an insurer need not cover a full replacement of the siding on the insured’s house, but there was expert testimony that prevented a similar judgment regarding a complete roof replacement. The case is Grote v. Am. Econ. Ins. Co., 2025 U.S. Dist. LEXIS 17326 (E.D. Pa. 2025).
What Happened
The Grotes purchased a homeowners policy from American Economy Insurance Company (AEIC) to cover damages to their Pennsylvania home. The home suffered physical damage when a nearby tree landed on part of the Grotes’ house during a windstorm. The couple hired a handyman to make emergency home repairs to mitigate further damage. They also sought the help of a public adjuster “to ‘advise and assist’ them in the adjustment of the insurance claim” they submitted to AEIC.
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