Originally Posted by Sturdee
Not so hypothetical.
A friend and former employer had the misfortune of his place of business, incidentally it was very profitable, burn down.
Fire brigade experts could not prove the cause of the fire and although the police investigated no charges of arson where laid.
Nevertheless the insurance company refused to pay out on the various policies of insurance (building, contents, loss of profits etc,) claiming arson by the proprietors and thus policies null and void.
So they had to sue the insurance company in the Supreme Court, and in due course (18 months later) they won and cost and interest were awarded against the insurance company.
Peter.