California E&S Insurance

Terrible advice from your attorney, I would reevaluate your relationship. The insurance company looks to the insurable interest in the property at the time of loss. With the insurance in dad’s name, dad no longer with us, and the trust owning the property, it becomes less clear as to whether that insurable interest exists. Further to that point, the property is no longer occupied, so another material change that needs to be disclosed. I would contact the insurance company and disclose all relevant information and see how they respond.

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