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'Young & Restless' Star

Sues Over Torrential Rainstorm --

My Poor Man Servant!!!

1/15/2012 3:30 AM PST BY TMZ STAFF

File under rich people's problems -- "Young and the Restless" star Melody Scott is suing her home insurance company for refusing to cover more than $50,000 in rain damage ... claiming her poor male assistant went through HELL cleaning up the mess.

Melody and her husband Edward filed the lawsuit in L.A. County Superior Court, claiming Mid-Century Insurance Company put them through the ringer after a 2010 rainstorm wreaked havoc on their Beverly Hills Home ... and ultimately left them out to dry.

As a result of the storm, the suit alleges, the Scotts' loyal servant -- a Mr. Nick Krotov -- "was forced to place many pots, pans, and towels in the living room to catch the falling water."

According to the suit, the Scotts filed an emergency insurance claim to repair the damage -- but MC blew their repeated requests to approve it ... and Mother Nature wreaked even more havoc on their home.

Melody claims MC finally came out to inspect the property more than a week after the initial storm -- and rejected their claim, insisting the water damage was not covered.

Melody and Edward claim they spent over $50,000 trying to repair the damage -- and now they're suing to get it all back, plus other damages. Calls to Mid-Century were not returned.


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go home!    

TMZ I dont know why you are mocking her. We pay our $$ to freakin insurance companies to be covered for crap like this and then they rip us off when we need them by either denying a claim, raising our rates, etc. Your post should be AGAINST the INSURANCE company, not Melody Thomas Scott. I hope whoever wrote this post deals with the same kind of problem, as karma.

1015 days ago


I'm not sure who these people are but he has the look of an alcoholic about him.

1014 days ago


Does that $50,000 claim include an amount for pain and suffering from having to watch their poor assistant be forced to clean up the mess?

1014 days ago


Unfortunately, water claims aren't always covered (I'm an insurance agent). Water that enters the home due to normal wear and tear typically isn't covered. The storm would have had to cause the opening in the roof in order for it to be covered. Even flood insurance wouldn't have covered this. The storm would have had to have caused a certain amount of flooding over a very large area to be considered flood. would have to hit the ground first, THEN enter the home.

1012 days ago


Once the initial damage happens you are responsible for protecting the property from further damage. Call a carpenter and water restoration company get it temporarily repaired. Move your property to protected area, furniture etc. If she had damage from a rainstorm chances are there are others in the area and insurance adjusters get overloaded with claims at one time. Love Melody on Y&R, I have been watching for 29 years and will continue.

1011 days ago
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