You must establish that your insurer’s conduct was “a deliberate or reckless failure to place on equal footing the interest of [you] with their own interests when considering a settlement offer.” Roemer v. Allstate Indemnity Ins. Co., 82 N.Y.S.3d 202, 205 (N.Y App. Div. 2018). Typically, this is offering evidence that they violated §2601 the state’s Unfair Claim Settlement Practice law or 11 CRR-NY 216, the rules and regulations guiding property insurance claims.