Insurance. Gotta have it. But don't ever try to collect. Slippery little
beggars, those outfits.
Although I detest insurance companies, the owner who filed the claim should know
what the insurance covers. There certainly have to be limits and a limit on
acceptable claims within a mile from the extent of the fire seems very
reasonable. Perhaps a claim (or lawsuit) against the authority who declared a
mandatory evacuation would have some success. Can't fault the insurance
companies on this one. . .
Understand your insurance before acting on impulse and the owner is right but I
don't understand his business and what kind of assisted living center
operation he has. Assisted living center can mean anything and nice guy's
being friends to strangers or temporary living are never insurable and if he
paid insurance that didn't apply to his business then he had the wrong
insurance company or not a fully compliant health care business.
Sounds like the typical insurance company. Happy to take your money but scarce
when you need their help.