In the early morning hours of March, 2020, the homeowner (now residing out of state) received a call notifying him that his home caught fire destroying everything. After confirming that his ex and his son were safe, the insured notified his insurance company of the fire loss. While filing the claim the homeowner was asked a few basic questions that apparently raised a red flag with the insurer. Three days later he received a Reservation of Rights (ROR) letter. The ROR letter is used to notify a policyholder that the insurance carrier is investigating the claim and is issued to reserve the insurance company’s right and or preserve any timelines of state statutes to deny a claim at the conclusion of the investigation. The letter stated that “the investigation has revealed that you were not occupying the residence premises at the time of the above noted loss.” It was obvious the insurance company was making an issue of this as a reason to deny the claim.
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