In a compelling legal dispute, an individual is taking on a major insurance company over alleged mishandling of a homeowner's insurance claim. Kayode Oduwale filed a complaint against Allstate Vehicle and Property Insurance Company in the District Court of Harris County, Texas, on April 4, 2025. The case centers around allegations that the insurance giant failed to adequately compensate for damages sustained to Oduwale's property.
The plaintiff, Kayode Oduwale, asserts that his property located at 5002 Hickory Burl Court in Katy, Texas, suffered significant damage due to hail and water intrusion on March 21, 2024. According to the petition, Allstate sold a homeowner's insurance policy to Revone Oduwale to cover this property from May 10, 2023, through May 10, 2024. Despite timely reporting the loss and Allstate assigning claim number 0750306532 after inspection by their field adjuster, the defendant concluded that repair costs fell below the policy deductible. This decision led Oduwale to issue a pre-suit notice and demand under various sections of the Texas Business & Commerce Code and Texas Insurance Code on November 25, 2024.
Oduwale accuses Allstate of breaching its contract by not covering all direct physical losses as per the policy terms. He further claims that Allstate violated Chapters 541 and 542A of the Texas Insurance Code by engaging in unfair competition practices and misrepresenting material facts about policy coverage. The lawsuit also alleges violations under the Texas Deceptive Trade Practices Act (DTPA), asserting that Allstate engaged in false advertising and misrepresented service characteristics.
The plaintiff seeks monetary relief of $100,000 or less for economic damages including repair costs and attorney fees. Additionally, he demands treble damages under both the DTPA and Texas Insurance Code due to Allstate's knowing misconduct. The suit also requests compensation for breach of good faith and fair dealing along with consequential damages arising from delayed claim resolution.
Represented by Damian S. Sullivent from The Law Offices of Frederick W. Nessler & Associates PLLC based in Florida, Oduwale’s legal team argues for comprehensive redress from Allstate’s alleged contractual breaches and statutory violations. The case is filed under Case ID: 2025-23310 with Judge Monioa Jackson presiding over proceedings in Harris County’s Judicial District Court.