Summer House Fire

Proving Man ‘Independent’ Wins Suit

Following a house fire, an insurance claim was made for damage to personal property and living expenses. After investigation we determined that the policy was actually issued to the plaintiff’s parents; the plaintiff was using his parents’ summer home as a primary residence. We further discovered that the plaintiff was economically independent of his parents and had no intention of moving in with them. We were able to show, therefore, that he was not an “insured” as defined by the policy. The judge found for the insurance company. The insurance company again prevailed after a second trial before a jury.