A man claims his insurance company refuses to fully compensate him for damages caused to his property following a fire. 

Joseph Laday III filed a lawsuit Jan. 7 in Jefferson County District Court against Farmers Insurance Exchange.

In his complaint, Laday alleges he owned an insurance policy through Farmers that was supposed to insure his home at 320 East Elgie St. in Beaumont.

So, after Laday’s home sustained serious damages when a fire broke out on Oct. 7, he filed a claim seeking compensation for his damages, according to the complaint.

“Farmers failed to conduct a reasonable, thorough, and complete inspection of the contents,” the suit states. “They also failed to properly assess the damages and failed to place a reasonable value on the costs of to repair the damages and/or replace contents. The result was a completely inadequate assessment of plaintiff’s damages.”

In his complaint, Laday alleges breach of contract against Farmers.

Clint Brasher and Joe Muckleroy of Beaumont will be representing him.

Judge Milton Shuffield, 136th District Court, has been assigned to the case.

Case No. D193-793

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