What should a person do when their insurance company suspects them of fraud after a house fire?

There was a big fire at my sister's house. The insurance company suspects fraud on her part, but my sister insists the fire was an accident. The insurer has given her a $2,200 living allowance and is preparing a lie-detector test for her. Do you have any suggestions for what she should do?

Answer
“I am sorry to hear of the fire and I sincerely hope that everyone is okay! In general, it is usually best to simply cooperate with the insurance company so that they can conclude their investigation of the claim.
It is a good idea to review the policy to determine the rights and responsibilities of the insurance company and the insured (your sister). She can also contact her agent for help in reviewing the policy terms.
If there are any issues with the insurance company’s handling of the claim, she should reach out to her state’s Department of Insurance for guidance. “
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Shannon Martin
Answered on Apr 07, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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