Richard Blaine and Shawnda Blaine v. American Strategic Insurance Corp., Alexander Mayeux, EFI Global, Inc., Blakeslee Partridge, and John Does 1-10

CourtDistrict Court, N.D. Mississippi
DecidedMay 27, 2026
Docket3:26-cv-00009
StatusUnknown

This text of Richard Blaine and Shawnda Blaine v. American Strategic Insurance Corp., Alexander Mayeux, EFI Global, Inc., Blakeslee Partridge, and John Does 1-10 (Richard Blaine and Shawnda Blaine v. American Strategic Insurance Corp., Alexander Mayeux, EFI Global, Inc., Blakeslee Partridge, and John Does 1-10) is published on Counsel Stack Legal Research, covering District Court, N.D. Mississippi primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Richard Blaine and Shawnda Blaine v. American Strategic Insurance Corp., Alexander Mayeux, EFI Global, Inc., Blakeslee Partridge, and John Does 1-10, (N.D. Miss. 2026).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF MISSISSIPPI OXFORD DIVISION

RICHARD BLAINE and PLAINTIFFS SHAWNDA BLAINE

V. CIVIL ACTION NO. 3:26-CV-9-SA-RP AMERICAN STRATEGIC INSURANCE CORP., ALEXANDER MAYEUX, EFI GLOBAL, INC., BLAKESLEE PARTRIDGE, and JOHN DOES 1-10 DEFENDANTS

ORDER AND MEMORANDUM OPINION Richard and Shawnda Blaine (collectively the “Blaines”) initiated this civil action on November 6, 2025, in the Circuit Court of Tate County, Mississippi, pursuing claims against American Strategic Insurance Corp. (“ASIC”), Alexander Mayeux, EFI Global, Inc. (“EFI”), Blakeslee Partridge, and John Does 1-10. EFI removed the action to this Court on January 9, 2026, premising jurisdiction on diversity of citizenship.1 The Blaines subsequently filed their First Amended Complaint [16], which is now the operative complaint, on February 4, 2026. On the same date, the Blaines filed a Motion to Remand [17], arguing that there is not complete diversity of citizenship between the parties.2 That Motion [17] has been fully briefed and is ripe for review. The Court is prepared to rule.

1 ASIC consented to removal of the case. See generally [3]. Mayeux has not yet been served with process. See [39] at p. 1. As to Partridge, he is alleged to have been improperly joined in this lawsuit. 2 The Court notes that EFI and Partridge previously filed a joint Motion to Dismiss [11] on January 23, 2026, which was rendered moot upon the Blaines filing their First Amended Complaint [16]. Thereafter, on February 18, 2026, EFI and Partridge filed their joint Renewed Motion to Dismiss [27]. Relevant Factual and Procedural Background3 This lawsuit arises from an insurance coverage dispute following an EF3 tornado that passed near the Blaines’ home last year. The Blaines, who are residents of Senatobia, Mississippi, allege that, on April 3, 2025, a

“tornado passed within yards of their home… causing catastrophic damage to the home itself.” [16] at p. 5. The alleged damages include a downed tree on top of the roof causing an opening, blown out windows, moved exterior brick walls, and a collapsed detached garage. At the time of the tornadic event, the Blaines’ home was insured by ASIC pursuant to a homeowners insurance policy. According to the First Amended Complaint [16], the policy provided coverage “on a replacement cost valuation basis, which means that coverage is provided on a replacement cost basis without deduction for depreciation.” Id. at p. 5. On the same date, the Blaines submitted a claim for property damage to ASIC. On April 6, 2025, Michael Brown, an independent field adjuster, conducted an inspection of the Blaines’ home on behalf of ASIC. During his inspection, Brown allegedly pointed out multiple areas within the

home that had sustained water damage. As of the date of Brown’s inspection, the Blaines were unaware of the name of their ASIC claims adjuster and had not been contacted pertaining to their property damage claim.4 On April 28, 2025, an ASIC representative, Crystal Newland, sent the Blaines an email containing an estimate of the Replacement Cost Value (RCV) with respect to the damages to their home. According to the Blaines, that estimate “reflected more than thirteen thousand dollars in

3 This factual recitation is based on the allegations in the First Amended Complaint [16]. As explained in more detail hereinafter, relevant to the Blaines’ Motion to Remand [17], the Court notes that the First Amended Complaint [16] does not join any additional parties nor does it assert any new claims against Partridge. 4 The Blaines’ were separately contacted by a desk adjuster with ASIC pertaining to claimed damages to their vehicles but not their home. deletions made by adjuster Trevor Washam” and was one-third of the amount their contractor had estimated for repairs. Id. at p. 9. The Blaines allege that they continued to have communication issues with ASIC thereafter. Eventually, they rented a fifth-wheel camper to live in until such time as repairs could be made to their home. They also retained a public adjuster, Lauren Olmsted, to

represent them on their home damage claim. On May 29, 2025, Olmsted sent ASIC a letter of representation and request for information on behalf of the Blaines. The next day, Alexander Mayeux, a desk adjuster with ASIC, responded to Olmstead indicating that the claim had been reassigned to him. In mid-June 2025, Olmsted submitted a claim for Additional Living Expenses (“ALE”) on behalf of the Blaines. Approximately two weeks later, Mayeaux denied that claim on the basis that the Blaines were not entitled to benefits under the policy’s ALE coverage. In short, the Blaines contend that Mayeaux engaged in “contradictory and unreasonable conduct [that] was calculated to manufacture delay, create justification for withholding benefits, and shift blame onto the Blaines for Defendant ASIC’s continuing failure to timely and fairly adjust the claim.” Id. at p. 11.

After the dispute pertaining to the ALE claim, Olmsted provided Mayeux with her estimate for the damage to the home. Mayeaux then insisted that ASIC needed to have an engineer inspect the home and requested to take the Blaines’ recorded statements. The Blaines cooperated with those requests. On July 2, 2025, Gerry Patrikios, a structural engineer employed by EFI (who was in turn hired by ASIC), conducted an inspection of the Blaines’ home. The Blaines allege that Patrikios made comments during his inspection about the damage to the home, “including his observations of structural shifting and interior water intrusion.” Id. at p. 13. A week after Patrikios’ inspection, Olmsted requested a copy of his report from ASIC but was told that no report existed. The Blaines allege that Mayeux and ASIC did in fact possess an engineering report authored by Patrikios but that they were concealing the same with the goal of disregarding Patrikios’ findings. The First Amended Complaint [14] alleges that Mayeux then told Olmsted and the Blaines that ASIC needed to have another engineer perform a “reinspection” of the home. Id. at p. 14. This second inspection

was conducted by Blakeslee Partridge, an engineer also employed by EFI, on July 29, 2025. ASIC also retained an unnamed loss consultant during this time. The Blaines contend that Partridge “has a reputation for identifying bases to deny coverage on behalf of his insurance clients, which Defendant ASIC knew when it retained him on the Blaines’ claim.” Id. They allege that he was retained by ASIC solely for the purpose of discrediting portions of Patrikios’ report, who, again, was also employed by EFI. According to the Blaines, Partridge’s report did not provide an account of specific interior water damages that were noted by the Blaines’ contractor, Olmsted, and Patrikios. The Blaines contend that the alleged interior water damage to the home was a major point of contention between them and their insurer, ASIC, and that Partridge’s report “glossed over any findings and observations” of that damage. Id. at p.

16. Additionally, they claim that Partridge’s report included photographs of another property that was not their home. Ultimately, the First Amended Complaint [16] alleges that ASIC relied on Patridge’s report to undervalue the Blaines’ home damage claim leading, in part, to the instant lawsuit being filed. The Blaines’ claims against Partridge and EFI are based on Partridge’s report. They bring the following claims against Partridge and EFI: (1) gross negligence, (2) negligent misrepresentation, (3) intentional misrepresentation, (4) bad faith adjusting, (5) negligent infliction of emotional distress, (6) intentional infliction of emotional distress, and (7) civil conspiracy.

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Richard Blaine and Shawnda Blaine v. American Strategic Insurance Corp., Alexander Mayeux, EFI Global, Inc., Blakeslee Partridge, and John Does 1-10, Counsel Stack Legal Research, https://law.counselstack.com/opinion/richard-blaine-and-shawnda-blaine-v-american-strategic-insurance-corp-msnd-2026.