After Mr. Rodrigues’ house burned down, his insurance company refused to pay his claim, stating the policy was in default. The company claimed his house was a rooming/boarding house based on previously installed locks. This voided Mr. Rodrigues’ policy because the house was being used for a different purpose then the one specified on his policy application. Following an investigation, Alfred Kwinter proved this was not a rooming house and the locks the insurance company referred to were installed by the previous owner. The court ruled Mr. Rodrigues should be reimbursed for the full cost of the property as well as $100,000 in solicitor/client costs.
Alfred M. Kwinter Rodrigues vs. Allstate Insurance