California E&S Insurance

"They are asking for something they can see." From the OP, "The investigator asked for records we simply don’t have—like phone logs from a prepaid plan and AutoZone purchase history we never created. ". So not only can the carrier not "see" those records, the OP cannot produce them and that is 100% reasonable (do you keep every single one of your little receipts?). So it simply is not failure to cooperate. "if autozone is showing on the carfax it’s there" You think when you buy something at Autozone that they report that purchase to Carfax? Really? Even if they did (they don't), then the carrier would not need the receipts would they. " but the principle here is if it’s requested it’s because they already know it’s available." Not at all. It's not even close. First, it is not "available" because there was once a receipt but it was not kept. So again, right there there is no lack of cooperation and second, you should know in the case of a fire loss, the carrier is looking for maintenance records in order to rule out that the fire was the result of wear/tear. Lastly the carrier needs to show lack of cooperation caused them harm. Where is the indication that no receipt caused the carrier harm? You can't \_assume\_ what the receipts might show and say that is harm... you need to have a good indication of it.

{
  "score": 0,
  "title": "",
  "subreddit": "InsuranceClaims",
  "num_comments": 0,
  "scrape_method": "apify_targeted"
}