Our clients’ home and possessions were destroyed in a fire. Their insurance agent had procured for them a policy with a nationally known insurance carrier in amounts that were vastly insufficient to compensate them for all their losses. Worse, the insurance carrier’s adjuster repeatedly failed to pay the limits of coverage that were available despite knowing that she had not finished her inventory of all the losses. We brought suit against the agent for procuring insufficient coverage and against the carrier for bad faith in its adjustment of our clients’ losses. We settled the case at a Final Pre-Trial Conference for $600,000.00 which was sufficient to cover all of our clients’ losses, pay their attorneys’ fees and extract from the carrier punitive damages for its bad faith conduct.