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If they paid two claims due to power loss, then it would be bad faith to refuse to pay the remaining claims of loss resulting from the same power loss. You need to send a letter to the insurer informing them all 4 jobs were lost based on the power outage and that the fact that they paid and agreed on 2 claims their denial now is in bad faith. Under LA law, if you prove bad faith in denial of an insurance claim you can pursue them for your actual damages in excess of your policy limit and also attorney's fees if you have to sue them to pay. Your first step though is writing a letter appealing the denial. Your second step is filing a complaint with the state insurance commissioner. Finally, if the first two steps do not get them to pay, then you would need to sue them for the bad faith denial and breach of your insurance contract
to seek your full damages and attorney's fees upon proof of the company's bad faith using the first two claims paid as your evidence of their bad faith.
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