Emily Sergi has taken legal action against a major insurance company, alleging breach of contract and bad faith in handling her insurance claim. The complaint was filed by Sergi on September 7, 2024, in the Court of Common Pleas of Allegheny County, Pennsylvania, targeting Erie Insurance Company for failing to fulfill its contractual obligations.
According to the details laid out in the court documents, Emily Sergi is a resident of Allegheny County whose home suffered damage on August 20, 2024. She had an active insurance policy with Erie Insurance at the time of the incident. The company acknowledged that the loss was covered under her policy and provided an estimate for repairs amounting to $2,066. However, Sergi contends that the actual cost incurred for necessary repairs was $6,720, performed by Waldron Electric. Despite presenting evidence of this expenditure to Erie Insurance, Sergi claims that the insurer refused to cover the full repair costs as stipulated in their agreement.
The lawsuit accuses Erie Insurance Company of breaching its contract by not reimbursing Sergi for the full amount she spent on repairs. Her policy clearly states that upon completion of repairs or replacements, the insured is entitled to reimbursement for expenses "actually and necessarily" incurred. Furthermore, Sergi's complaint includes allegations of bad faith on part of Erie Insurance. She argues that despite providing all necessary documentation and evidence supporting her claim for $6,720, Erie Insurance unreasonably withheld payment without disputing either the scope or cost of work done.
Sergi seeks a judgment from the court demanding Erie Insurance pay her $4,184 plus interest—the difference between what she spent and what was approved—alongside any applicable fees and costs. Additionally, she requests punitive damages aimed at deterring similar conduct by Erie Insurance in future dealings with other policyholders. Her legal representation emphasizes these punitive measures are crucial to prevent further instances where insured individuals might be forced into unnecessary litigation due to unjust denial or underpayment by insurers.
Representing Emily Sergi is attorney David C. Brumfield from AlpernSchubert PC law firm based in Carnegie, Pennsylvania. The case is filed under civil arbitration docket within Allegheny County’s Court system with no specific judge assigned yet as per available records (Case ID: CVPDD008S347F403).