Arson and Fraud Insurance Claims: How to Defend Your Fire Loss and Win
If your insurer has hinted at arson and fraud insurance claims after a catastrophic fire, your coverage—and reputation—are on the line. Business owners and high-value homeowners trust Fabian Sklar King & Liss to push back, prove the truth, and force carriers to pay. Below, discover why insurers make these accusations, how we dismantle them, and what steps you must take now.
Why Do Insurers Accuse Policyholders of Arson or Fraud?
- Cost containment: Large fire losses threaten insurer profit, so we find historically that adjusters may look for any basis to deny.
- Red-flag triggers: Recent policy increases, financial stress, or unusual burn patterns raise suspicion.
- Lower burden of proof: In civil court the carrier only needs “more likely than not” to allege arson.
Insurers employ Special Investigative Units, demand exhaustive documents, and schedule Examinations Under Oath—hoping policyholders slip. Without counsel, even honest answers can fuel arson and fraud insurance claims.
The Immediate Risks to Your Claim when there are Arson and Fraud Allegations in Fire Insurance Claims
Financial Devastation
A denied claim due to unfounded arson and fraud allegations in fire insurance claims can leave you paying rebuilding costs and business downtime interruption by yourself. For many, that’s ruinous.
Legal Exposure
False statements under oath can void your policy and expose you to civil liability. Never attend an EUO unrepresented.
Reputation Damage
Accusations of arson follow executives and homeowners for years. Quick, decisive defense is essential.
How We Defeat Arson and Fraud Allegations in Fire Insurance Claims
Our firm pairs courtroom skill with scientific fire expertise to crush unfounded allegations.
- Independent fire investigation: We work with Certified Fire & Explosion Investigators when needed to examine the scene, collect debris, and follow NFPA 921 protocols—often exposing flaws in the carrier’s report.
- Document triage: We curate financial and personal records to satisfy cooperation clauses while shielding irrelevant data.
- Tactical EUO prep: We rehearse every question, attend the session, and block improper tactics—preventing statements that can be twisted into “evidence.”
- Burdens of proof: In Michigan, the insurer carries the load. We hold them to it and highlight every evidentiary gap.
Result: carriers see their arson and fraud insurance claims won’t stand, and settlements follow.
Are you facing Arson and Fraud Allegations in a Fire Insurance Claim?
Act now. Contact Fabian Sklar King & Liss today or call 248-553-2000. We’ll preserve evidence, control the narrative, and safeguard your claim.
Winning with Science and Facts
Origin-and-Cause Analysis
We match the insurer’s experts with metallurgists, chemists, and engineers. When lab tests “find gasoline,” we retest; some claims have been denied because of household cleaner, not arson.
Financial Motive Rebuttal
Insurers comb bank statements to imply motive. We contextualize loans, investments, and cash flows—proving in the past that the insurance company “red flags” were normal business or household transactions.
Parallel Witness Interviews
When needed, we interview witnesses including firefighters, neighbors, and contractors before memories fade, preventing one-sided reports.
These steps consistently neutralize arson and fraud insurance claims and restore leverage to the policyholder.
Proven Results for Michigan Policyholders
See how our strategy pays off:
- Custom home fire – $3.65 million recovery after insurer alleged arson.
- Commercial warehouse blaze – $2.2 million settlement secured days before trial.
- Over $500,000,000 in recovery for victims of Michigan Property Insurance Claims Litigation
We fight arson and fraud allegations in fire insurance claims and have found that allegations can be overturned with skill, speed, and science.
TIP: For fire-prevention guidance, visit FEMA’s fire safety resources. Understanding safety standards can also support your claim’s credibility.
Protect Your Rights Before the Insurer Builds Its Case
We find that insurance companies invest heavily in denying large fire claims. Invest in your own defense. Schedule a free, confidential review with Michigan’s leading property-insurance attorneys today. Let our attorneys fight the arson and fraud allegations against you.
Call 248-553-2000 or contact Fabian Sklar King & Liss online. We’ll fight the insurer’s allegations and secure the full benefits your policy promises.
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