Homeowners sue Chubb over disputed appraisal award and ALE coverage

The lawsuit states that on December 10, 2025, the appraisal umpire issued an award for the dwelling loss, setting reconstruction at a “Base Award Total” of $3,050,000 plus $610,000 for General Contractor Overhead and Profit, labeled “Paid When Incurred.” Chubb later paid the base amount for reconstruction but not the $610,000, the Sabris say.