Home owner claims insurer refuses to pay fire claim

Terry Lowe of Bethalto filed suit against State Farm Fire and Casualty Insurance in Madison County Circuit Court Aug. 31, alleging the insurance company refused to pay a fire claim.

According to the complaint, Lowe's home at 528 W. Corbin sustained fire damage on Nov. 14, 2004.

Lowe claims his policy started in May 2004 and expired in May 2006.

"As a result of the fire, State Farm became liable to pay plaintiff for the property loss on the home," the complaint states. "Additionally, State Farm became liable to pay personal property losses and additional living expenses of plaintiff and his family and guests."

He claims State Farm's refusal to pay his claim without conducting a reasonable investigation is vexatious and without reasonable cause.

Represented by Michael Glisson of Alton, Lowe is seeking damages in excess $50,000, interest plus reasonable attorney fees and costs of the suit.

The case has been assigned to Circuit Judge Nicholas Byron.

06 L 735