Case Law Analysis
Fire Insurance | Cause of Fire Irrelevant Unless Fraud or Intentional Act by Insured Proven : NCDRC
The NCDRC has ruled that insurers cannot repudiate fire claims based on speculative or unproven theories about the fire's origin. Only when fraud or intentional act by the insured is established does the cause become legally material - a critical safeguard for policyholders against arbitrary claim denials.