[Mr. V]

Originally Posted by root1

An insurance company's primary objective, as with all public corporations, is to make money for their stockholders. Of significant note, is their uncanny ability to deny claims.

For starters, they will search for any dated construction materials from the rubble; Romex, porcelain fixtures, PVC pipe, structural steel, door frames, etc.; and then obtain copies of all construction/repair permits. If they find any discrepancies, the claim will most likely be denied; citing the unauthorized repairs contributed to the fire.

This theory is a REAL stretch.