Kaur v. Fire Ins. Co.
Appellant Kaurs home was destroyed by fire on July 27, 2005. Her claim for benefits under her homeowners insurance policy was denied by respondent Fire Insurance Exchange (FIE) on June 21, 2006. The following month Kaur filed this action against FIE. A month-long trial resulted in a jury verdict and judgment in favor of the insurer. The jurys special verdict expressly found that appellant failed to comply with the so-called cooperation clause of the insurance policy requiring the insured to as often as we reasonably require ... provide us with records and documents we may request, including banking or other financial records, if obtainable, and permit us to make copies. The jury also made a special finding that appellants failure to provide such information caused actual prejudice to defendants handling of the claim.
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