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Insurance Bad Faith, Gov & Administrative Law, Libel & Slander and Personal Injury for South Carolina
Q: Seeking help with homeowner's insurance claim denial, UCC-1 filing, and defamation concerns in South Carolina.
I'm a small business owner of EW OLIVER LLC. Around June 24, 2025, I filed a homeowner's insurance claim following a catastrophic event where a tree branch fell onto power lines, causing damage. The insurance adjuster denied my claim, stating it was due to wear and tear. I believe this isn't accurate, as my homeowner's policy and the underwriter's policy cover such losses, and South Carolina statutes should cover it under the Good Faith Estimate Agreement Recovery Act Bill. Additionally, I have a medical condition, asthma, which has been affected by this ongoing issue. I am also seeking an administrative compliance letter and wish to address defamation of character. How should I proceed to address the insurance claim denial, the UCC-1 filing issue, and defamation concerns?
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James L. Arrasmith
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A:
For your homeowner's insurance claim denial, start by reviewing your policy carefully to identify the specific coverage provisions related to sudden damage from falling objects. Document all damage with photos, videos, and repair estimates, and send a detailed written appeal to your insurance company citing your policy coverage and any relevant South Carolina statutes that support your claim. Keep a record of all communications and request a written explanation if they uphold the denial.
Regarding the UCC-1 filing, ensure that your filing accurately reflects the secured interests and complies with South Carolina filing requirements. If the filing was rejected or challenged, you can contact the Secretary of State’s office for guidance on correcting or amending the document, and keep copies of all submissions and confirmations.
For defamation concerns, gather all evidence of false statements or communications that harmed your reputation, including dates, times, and witnesses if available. You may consider sending a cease-and-desist or demand letter, and consult a civil attorney to understand potential remedies under South Carolina law. Acting quickly and keeping organized records for all three matters will strengthen your position and help you address each issue effectively.
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