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2 Puna Senior Citizens File Suit for Deceptive Practices by Lloyd’s of London
News Source: Big Island Now
Nearly 800 homes in Hawaii’s Puna District were destroyed following the Kīlauea eruption, and dozens of homeowners who had insurance policies with Lloyd’s of London have faced difficulties in receiving payments. A lawsuit filed in Hawaii’s Third Circuit State court alleges that Lloyd’s has failed to honor homeowners’ certificates of insurance and provide basic living expenses promised in their policies.
Attorney Jeffrey Foster, representing homeowners who lost everything, criticized Lloyd’s for its treatment of the victims. The lawsuit particularly highlights the case of Philip J. Haysmer, 77, and his wife Lanell D. Haysmer, 70, who are now living in a neighbor’s garage after their home was destroyed. Despite paying premiums for years, the Haysmers have not received any insurance payment from Lloyd’s, including the emergency living expenses promised in their policy.
The Haysmers’ situation was further complicated when Lanell suffered a stroke the day before the eruption, resulting in a coma. Philip, while attending to his wife at the hospital, learned about the loss of their home and possessions. Despite filing a claim promptly, they have received little information and no benefits from their insurance policy.
An email allegedly from their Lloyd’s adjuster revealed that other policyholders had also not received any denial letter, suggesting internal issues at Lloyd’s. In contrast, the lawsuit points out that GEICO promptly provided the Haysmers with a total loss check for Philip’s burned pickup truck, demonstrating a stark difference in response.
Foster hopes that the lawsuit will prompt Lloyd’s to end its delays and provide assistance to the displaced homeowners. The lawsuit underscores the challenges faced by homeowners in obtaining insurance benefits after the devastating events following the Kīlauea eruption.
