National Fire says it tendered the $2 million limits on October 15, 2025, and confirmed the offer five days later, telling the estate it was "well within the 90-day safe harbor window for tendering its limits." The estate pushed back on November 4, 2025, arguing the clock started in April 2025 when the incident occurred, the complaint says. South Beach Group Hotels offered a third date, May 9, 2025, the day of a joint inspection.
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