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The Collaborative Clearinghouse for Lawsuits and Other Claims Against ACE Group Insurance Companies

Jewels Stolen - Couple Sues ACE Insurers and Others

August 27th, 2013 - A couple who had more than $700,000 worth of jewelry and personal belongings stolen during a move to California have sued two ACE Unit insurers and others over their loss.

On May 26th, 2011 American Family Mutual Insurance Co. issued a home insurance policy to plaintiffs. The policy covered a home they owned in Colorado.

The complaint alleges that as they prepared to move from Colorado to a new home in Rancho Santa Fe, California, plaintiffs Jack D. and Naoma Harrison bought a homeowners policy and an umbrella policy from Ace Units Bankers Standard Insurance Co. and ACE Property and Casualty Co. Plaintiffs claim these policies, issued on July 20th, 2011, provided coverage of $2.66 million.

According to the complaint, just nine days after the ACE units issued the coverage, the Harrisons rented a truck and moved their personal belongings from Colorado to California. Plaintiffs state that after an overnight stop in New Mexico, they found that their truck had been stolen - and along with it personal property valued at more than $700,000.

The complaint asserts that ACE and Bankers eventually made partial payments to the Harrisons, but told plaintiffs they should seek additional payment from American Family, which had insured their Colorado home. The complaint further alleges that American Family has not paid anything to the couple.

According to plaintiffs, in June of 2012, ACE notified them that their coverage was capped at 10 percent of the policy value under an exclusion that limited coverage to property located at their new home, or being moved from that home.

In March of 2013, the Harrisons informed ACE through their lawyer that it owed them an additional $455,953. When payment was not made, they sued the insurers in U.S. District Court for the Southern District of California.

The complaint asserts claims against ACE for breach of contract and violating the California Unfair Insurance Practices Act. Plaintiffs also accuse ACE of breach of the implied covenant of good faith and fair dealing, and of fraud and misrepresentation. They ask for the remainder of the unpaid claim and for unspecified damages due to emotional distress.

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