Apparently per my understanding the insurance industry in California and other states is unique in that it is required to act in good faith - also known as the covenant of good faith and fair dealing - with its insured customers.
This Huffington Post article "Insurance Claim Delays Deliver Massive Profits To Industry By Shorting Customers" from December 2011 states that "a new profit-hungry model, combined with weak regulation, has upended that ancient social contract" between the insured and the insurance companies.
I, of course, do not know if this is the principle that was being applied in the case of my claim but it is interesting that the claim was filed on my behalf by Fidelity, determined by Fidelity to be a valid claim and then assigned the value of the claim for the loss of an almost mile long easement to an 80 acre parcel over looking the Napa Valley at $0. Is this a coincident?
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