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Home insurance in WA state
We had a wind damage in 2021 and insurance company paid about $3667 but that was not enough so I had to take them to small claims court - where I not only asked for additional 3000$ but also asked for another $6000 for punitive damage as per IFCA (WA state law that allows up to 3 times the amount in question) so I asked about $9000 additional on top of $3667 they paid.
They settled and paid me $7500 total so they paid total 7500+original low ball payment of 3667$
I had an adverse action so I checked my LexisNexis report and found total claim amount they reported is $11600
I asked them give me the breakdown but they refuse to do so but most likely they have included that settlement amount in damage claim amount.
Are they allowed to add settlement amount they paid in to damage claim?
We had a wind damage in 2021 and insurance company paid about $3667 but that was not enough so I had to take them to small claims court - where I not only asked for additional 3000$ but also asked for another $6000 for punitive damage as per IFCA (WA state law that allows up to 3 times the amount in question) so I asked about $9000 additional on top of $3667 they paid.
They settled and paid me $7500 total so they paid total 7500+original low ball payment of 3667$
I had an adverse action so I checked my LexisNexis report and found total claim amount they reported is $11600
I asked them give me the breakdown but they refuse to do so but most likely they have included that settlement amount in damage claim amount.
Are they allowed to add settlement amount they paid in to damage claim?
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