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Farmers Insurance and Allstate Insurance caught denying covered fire claims     based on the “Vandalism Exclusion.”

Farmers and Allstate have both been caught and sued for denying fire claims citing the“Vandalism Exclusion” for accidental fires caused by vagrants squatting in the homes. This is another consumer abuse as accidental fires are not vandalism!

Bullock v. Insurance Cases

Link To Complaint
Allstate sold a fire insurance policy then denied the fire claim saying it was vandalism (same issue as Ong v. Fire Insurance Exchange)(below) accidental fires are not vandalism!

Pacific Insurance Specialties Caught Denying Landlord Coverage

COURT RULES PACIFIC INSURANCE SPECIALTIES (PSIC) IMPROPERLY ABANDONED ITS INSURED LANDLORD WHEN SUED FOR RETALIATORY EVICTION BY A DISGRUNTLED TENANT….Read More

Public Storage: bait and switch ads, fee overcharges, lockout and illegal insurance practices:

Downey v. Public Storage

Link To Complaint
PS alleged to engage in false advertising, mischarging of fees, locking tenants out and misrepresenting its insurance.

Cabral v. Public Storage

Link To Complaint
PS alleged to have locked out a tenant and confiscated his property without following any legal process plus AIG Insurance took PS side without investigating the claim.

Published Cases:

Ong v. Fire Ins. Exch. (2015) 35 Cal.App.4th 901

The Court of Appeal reversed the trial court and granted coverage after a fire loss. The insurance carrier had denied the claim alleging a trespasser losing control of a warming fire was a form of vandalism and therefore excluded.

20th Century Insurance Company v. Superior Court (Ahles) (2001)

90 Cal.App.4th 1247 the Court of Appeal upheld the reopening of thousands of Northridge Earthquake claims based on improper claim handling was constitutional. This case was appealed to the California and US Supreme Courts.

Ong.vsFire.Ins.Exchange

Ong.fire_.opinion

Court_of_Appeal

Court-of-Appeal