FACTS:The plaintiff, Brillman, claimed that her property sustained water damage as a result of an
incident that occurred on January 18, 2010. She was insured under a homeowner’s policy issued by
New England Guaranty Insurance Company. She reported the loss as required by the policy. The
two parties negotiated the value of the loss for several years. The insurer made its final payment on
February 16, 2017, more than seven years after the loss occurred. Brillman wasn’t satisfied and
requested an appraisal. When the insurer failed to act on her request, she filed suit against the insurer
on February 12, 2018, alleging, among other things, that the insurer breached the contract.