Ashley Hahn v. Allstate Insurance Company.

Summary

The Rhode Island Supreme Court affirmed the Superior Court’s permanent injunction ordering Allstate to submit to an appraisal of fire‑damage losses, finding the trial justice’s factual findings and urgency determination sufficient. The Court also held that the dispute concerned the amount of loss, not the scope of coverage, and therefore the appraisal clause in the policy was mandatory. It further required insurers refusing appraisal to give the insured a particularized notice of any alleged coverage ambiguity.