OPINION
A 41-foot-long, 7,300-pound tree limb crashed onto the home of appellants Michael and Lorie Bock, an incident they reported to their homeowners insurer, Travelers Property and Casualty Insurance Company (Travelers). Travelers assigned respondent Craig Hansen to adjust the loss, whose behavior, as alleged by the Bocks, can best be described as appalling. On Hansen's first visit to the scene (which lasted no more than...
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