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A fire has devastated your home or your business. You turn to your "good neighbor" or put yourself "in good hands" only to discover that your insurance company is not part of the solution, but part of the problem.

First the interrogation, then the insurance claim denial.

Your insurer isn't helping you in your time of need. Instead, it is asking for voluminous documents, dragging its feet, fighting with you over living arrangements or continuing business expenses, hiring experts to investigate the fire scene, and snooping around asking embarrassing questions about you of your neighbors, friends, co-workers, or employer.

Worst of all, your insurance company is accusing you of setting the fire or engaging in some other type of fraudulent activity. It has hired an attorney to question you in a proceeding known as an examination under oath.

What are your rights? What can you do? How can you defend yourself when accused of arson or fraud?

Rutter & Russin has represented hundreds of policyholders just like you for nearly 30 years. The firm's lawyers worked for insurance companies investigating fire claims for several years before forming Rutter & Russin, which only represents policyholders, not insurers. Their experience "on the other side of the fence" gives them a unique perspective in these types of claims, and gives you the best opportunity to get your claim paid on a favorable basis.

Bob Rutter has written articles about fire insurance claims, lectured on fire and property insurance issues, and been involved in several reported fire cases. Most attorneys have never handled a fire claim; Bob has handled over a hundred.

Rutter & Russin knows how to defend you and establish that your claim is legitimate.

There was little dispute about the facts of the loss. The insured husband barricaded himself in the family home, threatened to burn the house and kill himself, and refused to respond to police requests for him to surrender. After an hours-long standoff, the husband did just what he had threatened to do—he set fire to the house and killed himself.

The innocent wife’s claim was denied because her husband had caused an “intentional loss.” We were hired by the desperate widow who had no place for her and her children to live. We learned that the husband had a long history of mental illness, confirmed this through numerous depositions of friends and family, obtained a psychiatric report detailing his mental illness, and provided the insurance company with a legal opinion that under Ohio law a mentally deranged person cannot form the requisite intent to commit an intentional act. The insurer never admitted that its coverage decision was wrong, but it paid the widow $560,000, enough for her and her children to pay off their old mortgage and get back on their feet.


Rutter & Russin has nearly 30 years experience helping hundreds of policyholders facing arson and fraud investigations by hostile insurance companies. Contact us today for a free consultation.

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