The complaint paints a picture of back-and-forth emails, inspections, and a lot of waiting. The Cleggs claim the insurers kept asking for more documentation and delayed sending out their own adjusters. When estimates finally arrived, they were all over the map. One from Johnson Carpet, dated August 30, 2024, put the cost at $176,083.89. Another from Newman Floor Covering, dated September 25, 2024, came in at $180,738.00. The Cleggs say they even got a reservation of rights letter from Liberty Mutual on October 17, 2024, but still didn’t see a full payout.