$1.125 Million Insurance Bad Faith Settlement

$1.125 Million Insurance Bad Faith Settlement

Fitzsimmons Law Firm recently obtained a $1.125 Million settlement on behalf of an insured whose insurance claim was wrongfully denied after she burned down her house. The insured had suffered from Multiple Sclerosis for over twenty years which severely affected her brain and cognitive abilities. As time went on, she developed significant psychological and psychiatric problems including commitment on several occasions. On the night of the fire, it was reported that the plaintiff saw demons and attempted to burn them by lighting an aerosol can. Plaintiff was arrested for arson which was ultimately dismissed. The insurance company initially denied coverage claiming that the Intentional Act exclusion in the homeowner's insurance policy precluded coverage. The insurance company claimed that the insured had intentionally burnt down her house. Medical records indicated a significant history of mental disease and the inability to "intentionally" burn down her house at the time of the fire because of a diagnosis of "delusion." After multiple depositions, the insurance company settled for $1.125 Million. The insurance company also paid for full coverage for the fire damage to the house and personal property.

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