As a result of the windstorm and rains from Irene, the insured’s house sustained damage to the roof and facia. The damaged roof allowed water to enter into the interior of the home causing major damage and mold. The insurance company denied the claim outright, claiming that the damage was the result of wear and tear and poor workmanship, and not windstorm damage. A lawsuit was commenced for breach of contract and consequential damages under Bi-Economy v. Harlysville. Expert reports regarding mold, causation, and scope of the loss were obtained prior to litigation. Following the filing of the lawsuit, the carrier agreed to mediation. After several rounds of mediation and an initial offer of $30,000, the matter was settled for approximately $89,000.00.