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<p>I am still in a rabbit hole. It seems the adjuster is working
with Washington Cities Insurance Authority (WCIA) which is a
self-insurance risk pool. So is it covered by the insurance WACs
? If it is, does the below WAC extend the statute of limitations,
or does it just make for a bad faith claim?</p>
<p>Then there is the common law doctrine of equitable tolling, as
here we (arguably) have bad faith, deception and/or false
assurances by actions of the adjuster. But there is also
apparently a requirement that the plaintiff act with due
diligence....</p>
<p>I'm out of my realm here. This isn't a big case -- maybe $50k in
presently unreimbursed losses, plus the house repairs which have
been paid. Suggestions???<br>
</p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Very Truly Yours,</p>
<p class="MsoNormal">Robert R. Cole</p>
<p class="MsoNormal">Law Office of Cole & Gilday, P.C. </p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">10101 - 270th St. NW </p>
<p class="MsoNormal">Stanwood, WA 98292 </p>
<p class="MsoNormal">(360) 629-2900 (Telephone) </p>
<p class="MsoNormal">(360) 629-0220 (Fax) </p>
<p class="MsoNormal"><o:p> </o:p></p>
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privileged
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<p class="MsoNormal"><o:p> </o:p></p>
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<div class="moz-cite-prefix">On 9/5/2018 6:22 PM, Kevin Winters
wrote:<br>
</div>
<blockquote type="cite"
cite="mid:CY4PR14MB165476344D3476BBD9FAFF07FD010@CY4PR14MB1654.namprd14.prod.outlook.com">
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<b><span style="font-size:13.5pt;font-family:"Open
Sans",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">WAC
284-30-380 Settlement standards applicable to all
insurers.<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-family:"Open
Sans",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">(5)
Insurers must not continue negotiations for settlement of a
claim directly with a claimant who is neither an attorney
nor represented by an attorney until the claimant's rights
may be affected by a statute of limitations or a policy or
contract time limit, without giving the claimant written
notice that the time limit may be expiring and may affect
the claimant's rights. This notice must be given to first
party claimants thirty days and to third party claimants
sixty days before the date on which any time limit may
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<span
style="font-size:16.0pt;font-family:"MoolBoran",sans-serif;color:#002060;position:relative;top:0pt;mso-text-raise:0pt">Kevin
M. Winters<o:p></o:p></span></p>
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<span
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Law, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"
style="line-height:14.0pt;mso-line-height-rule:exactly;punctuation-wrap:hanging;text-autospace:ideograph-numeric
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<span
style="font-size:16.0pt;font-family:"MoolBoran",sans-serif;color:#002060;position:relative;top:0pt;mso-text-raise:0pt">2129
NE 195th Place<o:p></o:p></span></p>
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<span
style="font-size:16.0pt;font-family:"MoolBoran",sans-serif;color:#002060;position:relative;top:0pt;mso-text-raise:0pt">Lake
Forest Park, WA 98155<o:p></o:p></span></p>
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<span
style="font-size:16.0pt;font-family:"MoolBoran",sans-serif;color:#002060;position:relative;top:0pt;mso-text-raise:0pt">206-276-2866<o:p></o:p></span></p>
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<span
style="font-size:16.0pt;font-family:"MoolBoran",sans-serif;color:#002060;position:relative;top:0pt;mso-text-raise:0pt"><a
href="mailto:kevin@winters-law.com" moz-do-not-send="true"><span
style="color:#0563C1">kevin@winters-law.com</span></a><o:p></o:p></span></p>
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<span
style="font-size:16.0pt;font-family:"MoolBoran",sans-serif;color:#002060;position:relative;top:0pt;mso-text-raise:0pt"><a
href="http://www.winters-law.com" moz-do-not-send="true"><span
style="color:#0563C1">www.winters-law.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext"><o:p> </o:p></span></p>
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<span style="font-family:"Open
Sans",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
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style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext"><o:p> </o:p></span></p>
<p class="MsoNormal"><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext"><o:p> </o:p></span></p>
<div>
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1.0pt;padding:3.0pt 0in 0in 0in">
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<b><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">From:</span></b><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">
<a class="moz-txt-link-abbreviated" href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>
<a class="moz-txt-link-rfc2396E" href="mailto:wsbarp-bounces@lists.wsbarppt.com"><wsbarp-bounces@lists.wsbarppt.com></a> <b>On Behalf
Of
</b>Robert R. Cole<br>
<b>Sent:</b> Wednesday, September 5, 2018 5:50 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv
<a class="moz-txt-link-rfc2396E" href="mailto:wsbarp@lists.wsbarppt.com"><wsbarp@lists.wsbarppt.com></a><br>
<b>Subject:</b> [WSBARP] Insurance & SOL<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p>Long time unsophisticated clients just came in. Gov't water
line by their house burst a little over 3 years ago, causing
much damage to their house and personal property. They have
been working with an adjuster pretty much since then. House
itself was fixed. Adjuster has been very slow to respond,
loses docs, etc. CL never received the itemization of all the
destroyed stuff that was prepared by the flood repair people.
Arguably should have been settled long ago. Now the adjuster
wants to make a small partial payment of some of the
out-of-pocket damages and a couple items, and have them sign a
partial release saying that amount would be credited to any
judgment they were to receive; CL think not even in the
ballpark of their total loses. I somewhat recall case law
that insurance companies cannot rely on statute of limitations
in situations such as this, but cannot find what I'd like to.
So I once again look to the collective wisdom. Thanks.<span
style="font-size:11.0pt"><o:p></o:p></span></p>
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-- <br>
<br>
<span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><o:p></o:p></span></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">Very Truly Yours,<o:p></o:p></p>
<p class="MsoNormal">Robert R. Cole<o:p></o:p></p>
<p class="MsoNormal">Law Office of Cole & Gilday, P.C. <o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">10101 - 270th St. NW <o:p></o:p></p>
<p class="MsoNormal">Stanwood, WA 98292 <o:p></o:p></p>
<p class="MsoNormal">(360) 629-2900 (Telephone) <o:p></o:p></p>
<p class="MsoNormal">(360) 629-0220 (Fax) <o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">This message contains confidential and
privileged information that is intended only for the named
recipient(s). Unless you are the named recipient or
authorized agent thereof, you are prohibited from reading,
copying, distributing or otherwise disseminating such
information. If you receive this communication in error,
please notify the sender immediately.<o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
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