The Challenge
A Denied Fire Claim, Paid in Full
A Worcester restaurant owner lost her kitchen to fire, then lost her claim to a misapplied arson-exclusion clause. The insurer called its decision final. Our insurance team proved the exclusion did not fit the fire marshal's own findings — and that the delay itself violated fair-claims duties.
- Denial reversed: full policy limits paid
- Statutory penalties added for unfair claim practices
- Restaurant rebuilt and trading within the year
How It Unfolded
Denial to Payment in Five Steps
01
Policy Audit
The cited exclusion did not match the fire marshal's report.
02
Written Appeal
Formal demand inside the policy's appeal window, fully documented.
03
Expert Evidence
Independent fire investigator confirmed an accidental cause.
04
Settlement
Full limits plus penalties — paid without trial.
Denied? Send Us the Letter
We will tell you within one business day whether your claim is worth pressing.
More results: Custody Settlement · Property Dispute Won · All case studies