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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.

The insured owned a home in southern Ohio. He lived there with his girlfriend and their two children. The evening of the fire the insured and his girlfriend got into an argument and she left with the children. The insured was home alone when a fire occurred, which completely destroyed the house. The insurance company denied the claim after its "experts" concluded that the fire was intentionally set and that gasoline remnants were found in the fire debris. Since the insured was home alone and the fire was intentionally set with gasoline, the insured must have set the fire — or so the insurer argued in court. Rutter & Russin first discredited the insurer's cause and origin expert by showing that he did not adhere to NFPA 921, the leading treatise on cause and origin investigation. Rutter & Russin then hired an independent chemist to analyze the samples found at the scene. The chemist conclusively established that the samples were not gasoline but the remains of common household cleaning products. The insurer paid the first and second mortgage on the property, paid the insured an additional $175,000, and allowed the insured to retain title to the land.


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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