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KEVIN C. BETSKOFF, SR. v. STANDARD GUARANTY INSURANCE COMPANY

Insurance law — Failure to act in good faith — Common law negligence

This case returns to us following our earlier remand to the Circuit Court for Carroll County. Claiming a collapsed underground pipe caused sewage to flow into his Westminster, Maryland home (the “Property”) in 2016, appellant, Kevin Betskoff, sought coverage under a force-placed insurance policy issued by the appellee, Standard Guaranty Insurance Company (“Standard Guaranty”), to Specialized Loan Servicing LLC, the company servicing Mr. Betskoff’s mortgage. When his claim was essentially denied, he filed a complaint in the circuit court against Standard Guaranty alleging statutory claims for its failure to act in good faith and a common law negligence count. The circuit court granted Standard Guaranty’s motion to dismiss, and Mr. Betskoff appealed to this Court.

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