Plaintiffs, insured by defendant, submitted claims for water damage to their downstairs ceiling when the shower base of their upstairs bathroom cracked. Defendant refused to pay, asserting that the crack was a structural problem related to the settling of the house. Plaintiff's suit seeks both actual damages in the amount of $1,950 and punitive damages of $250,000, alleging that defendant's refusal to pay was a malicious, willful and improper act based on pure malice and...
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