Premiums were paid to State Farm by me the Trustee and Real Estate Manager for the Property Owner Trust, the Policy holder for The Property, in Rochester NY time period of 8-16-93 to 8-16-99.
In 2005, The Former Tenant/parent/natural guardian of an infant, commenced a lawsuit against the Trustee and Real Estate Manager and the Property Owner Trust
The Former Tenant/parent/natural guardian of an infant was a tenant in September 1993 of the property where she lived with her infant child.
It was alleged that The Infant Child ingested lead paint from the property during the period that the policy was in effect.
State Farm refused to defend the Trustee and Real Estate Manager, despite the fact the the policy clearly stated that the insured included the organization trustees and real estate manger.
Therefore I had to defend ourselves and hire an attorney to assist us in our defense.
Eventually State Farm settled with the plaintiffs out of court, however they never reimbursed me for our attorney costs, court costs, and considerable pro se work that I put into defending ourselves in this lawsuit.
This is surprising to me that coverage was not provided to me in the capacity of real estate manger
immediately when the summons and complaint was provided to State Farm. How else would the Plaintiff have known that I was associated with the property? If I collected rent, gave them the key, then what would have I been, if I was not a trustee or a real estate manager?
I made sure that the premium was paid in full to State Farm, why would I have done this if I was not a trustee or a manager?
State Farm was comfortable with the trust being the named insured when accepting the premium and freely corresponded with me about the coverage when receiving the premiums.
When State Farm was providing coverage for the Trust.. I was asked for information from State Farm in order for them to prepare a defense. Why is it that I was good enough to help them, but not good enough for them to defend?
When State Farm was providing for the defense of The Trust, who was it that State Farm contended was the Trustee of Sawyer Trust?
I have not received any response from and no answers to the above from State Farm.
State Farm had an obligation to defend me both as trustee and as property manager. They failed to do so, so I was forced to hire an attorney to help me prepare responses to the Plaintiff's motion and to prepare answers to the complaints. I have not been reimbursed for my out of pocket legal expenses or all my time in working on the same.