Shamane Howe v. Allstate Insurance Co., et al.

CourtDistrict Court, S.D. Ohio
DecidedMay 19, 2026
Docket3:25-cv-00454
StatusUnknown

This text of Shamane Howe v. Allstate Insurance Co., et al. (Shamane Howe v. Allstate Insurance Co., et al.) is published on Counsel Stack Legal Research, covering District Court, S.D. Ohio primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Shamane Howe v. Allstate Insurance Co., et al., (S.D. Ohio 2026).

Opinion

UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF OHIO WESTERN DIVISION AT DAYTON

SHAMANE HOWE, : Case No. 3:25-cv-454 : Plaintiff, : :

vs. :

: ALLSTATE INSURANCE CO., et al., : District Judge Walter H. Rice : Magistrate Judge Peter B. Silvain, Jr. Defendants. : :

ORDER and REPORT AND RECOMMENDATION1

This case is before the Court upon pro se Plaintiff’s Motion for Leave to Proceed in forma pauperis (Doc. #1) and for a sua sponte review of Plaintiff’s Complaint pursuant to 28 U.S.C. § 1915(e)(2). Plaintiff’s Motion for Leave to Proceed in forma pauperis (Doc. #1) is GRANTED. However, for the reasons that follow, the undersigned RECOMMENDS that the Court DISMISS this action under 28 U.S.C. § 1915(e)(2) for failure to state a claim upon which relief may be granted. I. PLAINTIFF’S COMPLAINT Plaintiff brings this action against six defendants—Allstate Insurance Company, Allstate Executive Vice President and Chief Claims Officer Mike Fiato, Allstate Executive Vice President and Chief Legal Officer Christine DeBaise, Attorney Paul B. Roderer, Jr., Attorney Alan Trenz, and Plaintiff’s Aunt Arnetta Gary. (Doc. #1-1, PageID #8-9). Plaintiff’s cause of action comprises

1 Attached is a NOTICE to the parties regarding objections to this Report and Recommendation. five grievances, including breach of contract, insurance bad faith, fraudulent misrepresentation, civil rights violations under 42 U.S.C. § 1981, and intentional and negligent infliction of emotional distress. Id. at 14-15. Plaintiff contends that this Court has jurisdiction pursuant to 28 U.S.C. § 1331 and 28 U.S.C. § 1332. Id. at 8. Plaintiff’s cause of action springs from a residential fire that occurred on February 21,

2024, resulting in damage to property. Id. at 9. At the time of the fire, Defendant Arnetta Gary was the homeowner and homeowners’ insurance policyholder with Defendant Allstate Insurance Company. Id. Plaintiff avers that she “resided at the property as a non-negligent residential relative and maintained substantial personal property at the residence.” Id. As a result of the fire, Plaintiff further contends that she suffered “a total loss … exceeding $50,000.” Id. Following the fire, Plaintiff filed an independent insurance claim with Defendant Allstate Insurance Company. Id. Plaintiff avers she cooperated with Defendant Allstate Insurance Company’s investigation—responding to requests for information and submitting “a[n] audio and written statement.” Id. at 10. Plaintiff also complied with a subrogation investigation. Id. On May

8, 2024, an adjuster for Defendant Allstate Insurance Company contacted Plaintiff to obtain a list of Plaintiff’s personal property that had been damaged. Id. (citing Doc. #1-8, PageID #41). On May 13, 2024, the adjuster for Defendant Allstate Insurance Company again requested an inventory list detailing the personal property Plaintiff lost as a result of the fire. Id. (citing Doc. #1-8, PageID #50). On May 13, 2024, and May 14, 2024, Plaintiff responded to the adjuster’s requests for information, stating Defendant Allstate Insurance Company took pictures of her bedroom and bathroom, indicating “[t]here’s no way that [she] can remember” all of the property that was lost in the fire, and stating she would “definitely try [her] best to complete it as soon as possible.” Id. (citing Doc. #1-8, PageID #s 47-48). On May 14, 2024, non-party Mark Krevis informed Plaintiff that her claim had been denied; on May 17, 2024, Plaintiff requested the decision denying her claim in writing. Id. (citing Doc. #1-8, PageID #51) (“Mark Krevis told me via phone call that he was denying my claim however I need this decision in writing.”). Plaintiff sent Defendant Allstate Insurance Company a “Letter of Appeal” on May 22, 2024. Id. (citing Doc. #1-14, PageID #s 62-64). On July 14, 2024, a non-party manager for Defendant Allstate

Insurance Company spoke with Plaintiff, advising that her claim could be approved “if the Plaintiff contacted [Defendant] Arnetta Gary and asked her to be put back on the claim.” Id. (citing Doc. #1-15, PageID #69). Throughout the process, Plaintiff alleges she was told by representatives for Defendant Allstate Insurance Company that the partial denial letter had been sent to Defendant Arnetta Gary, who was the insured party. Id. (citing Doc. #1-13, PageID #56). Upon request from Plaintiff, Defendant Arnetta Gary sent Plaintiff a copy of the partial denial letter on July 30, 2024. Id. at 11 (citing Doc. #1-16, PageID #s 73-74). However, portions of that denial letter were concealed. Id. Plaintiff alleges she requested Defendant Arnetta Gary provide her with the full partial denial letter

as well as the information regarding the findings and appeals process, “remind[ing] the Defendant [Arnetta Gary] that a partial denial of claim would prevent her from challenging the denial.” Id. When the claims and appeals process proved fruitless, Plaintiff filed a small claims action in the Montgomery County Municipal Court in August 2024, alleging “concealment of documents and misrepresentation pertaining to the insurance claims.” Id. at 12. A hearing was held on September 11, 2024. Id. After the case was dismissed, Plaintiff received a check for $5,289 from Defendant Arnetta Gary. Id. (citing Doc. #1-17, PageID #76). The memo line on the check read “2 bags fire claim.” Id. Plaintiff again requested—in the form of a “promissory note”—that Defendant Arnetta Gary deliver any withheld documents related to the claim within 30 days; Plaintiff alleges she never received the necessary documents. Id. After Defendant failed to deliver the documents, as requested, Plaintiff filed a complaint against Defendant Arnetta Gary and Defendant Allstate Insurance Company in the Montgomery County Court of Common Pleas on October 1, 2024. Id. at 13. Plaintiff’s complaint, seeking $2

million against each defendant, alleged breach of contract, insurance bad faith, property damages, and emotional distress. Id. Plaintiff filed a Motion for Default Judgment against Defendant Allstate Insurance Company and Defendant Arnetta Gary on November 19, 2024. Id. The Montgomery County Court of Common Pleas initially overruled Plaintiff’s motion, stating that Plaintiff failed to demonstrate that Defendant Allstate Insurance Company was properly served because the representative’s signature was returned illegible and that Plaintiff failed to attach an affidavit from the Department of Defense indicating that Defendant Arnetta Gary was not in the military. Id. (citing Doc. #1-18, PageID #s 78-79). On Plaintiff’s Motion for Reconsideration filed on January 7, 2025, the Montgomery County Court of Common Pleas again overruled Plaintiff’s motion for

default judgment as to Defendant Allstate Insurance Company but sustained Plaintiff’s motion as to Defendant Arnetta Gary, as Plaintiff had since filed the appropriate affidavit. Id. (citing Doc. #1-18, PageID #s 81-82). On June 25, 2025, Plaintiff filed a “Formal Notice of Withdrawal and Call for Immediate Federal Intervention to Safeguard American Justice,” Id. (citing Doc. #1-21, PageID #105-108), which the Montgomery County Court of Common Pleas construed as a voluntary dismissal and dismissed the case without prejudice. While Plaintiff pursued a course of action in the courts, she discovered that a second insurance claim had been filed without her authorization. Id. at 14 (citing Doc.

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