Know a guy who cut down a HUGE tree on his property. It fell the wrong way and dropped a high tension line on a low voltage one. Everyone for
5 miles got all their bad electronic equiptement replaced, paid by the fellows insurance. What he did was stupid, pulled the tree the wrong way, there were witnesses...Cost insuurance 18 grand:(
His policy now has a exclusion for things like this...
How pleasant to be called a liar. So you have access to every refused claim from every insurance carrier in the US both stock and mutual and you know for a fact that no claim is ever declined for reason of the insureds unlawful act being the cause of the loss. It must be wonderful to have so much information at your command.
And it must be incredibly frustrating to need every bit of information available on any given subject to be able to come to an informed conclusion.
I was careful not to call the previous poster a liar. He may just be mistaken, he may have the details wrong, etc. I can only tell you what my 22 years of dealing directly with insurance claim losses and adjusters on a daily basis has told me. Now if you want to take the evidence of one anecdote and use that to base your conclusions on, fine with me. That would, however, violate your apparent need to have access to the data for every single claim on hand in order to come to a conclusion.
When you get all that data, and spend all the time necessary to parse the info, I would be curious to know what percentage of homeowner claims are denied for this reason. I know it probably runs between .1 and .3 percent, but I would be curious to know the exact percentage.
As for me, I can continue to operate knowing what little I know, based on my experience. If you are going to try to convince me that homeowners need to fear making a mistake lest their insurance claims be denied, then you are going to have to come up with a little more than one anecdote, because I know that that is bull.
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