{"id":896717,"date":"2019-11-19T13:54:30","date_gmt":"2019-11-19T20:54:30","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=896717"},"modified":"2019-11-19T13:54:38","modified_gmt":"2019-11-19T20:54:38","slug":"court-rules-insured-resided-at-burnt-home","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/court-rules-insured-resided-at-burnt-home\/","title":{"rendered":"Court Rules Insured Resided at Burnt Home Based on His Assertions"},"content":{"rendered":"\n<p>Jason Cieri | <a href=\"https:\/\/www.propertyinsurancecoveragelaw.com\/2019\/11\/articles\/insurance\/court-rules-insured-resided-at-burnt-home-based-on-his-assertions\/\">Property Insurance Coverage Law Blog<\/a> | November 11, 2019<\/p>\n\n\n\n<p>A federal trial court in Pennsylvania recently ruled that the assertions made by the insureds were enough to overcome the insurer\u2019s motion for judgment on the pleadings.<sup>1<\/sup>&nbsp;On May 18, 2017, Nanette and Justin Bloxham\u2019s home and contents were damaged by a fire. The home was a total loss.<\/p>\n\n\n\n<p>One year later, Allstate Insurance Company denied the claim, stating:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>Allstate\u2019s investigation has determined that neither Nanette nor Justin resided at the Property. There were misrepresentations of fact material to the claim, including, but not limited to misrepresentations related to residency, condition of the Property prior to the fire, ownership of the Property, and issues regarding utilities at the Property.<\/p><\/blockquote>\n\n\n\n<p>Allstate took Justin\u2019s examination under oath, where he produced a valid driver\u2019s license with the address of the damaged property on it. He also testified that he lived there more than ten years before the fire. He slept there and was \u201csettled there and made that residence his home. [He] had his personal belongings there and was at the home every day.\u201d<\/p>\n\n\n\n<p>In Allstate\u2019s motion for judgment on the pleadings, they argued they are entitled to judgment because Nanette did not reside at the Property, and there was no evidence that Justin resided at the Property and because he made misrepresentations of material facts and circumstances. Plaintiffs conceded Nanette did not reside at the Property.<\/p>\n\n\n\n<p>In denying Allstate\u2019s motion for judgment on the pleadings, the trial court noted that Plaintiffs adequately alleged that Justin Bloxham resided at the Property. Accepting the allegations in the Amended Complaint as true and drawing all reasonable inferences in their favor, Plaintiffs plausibly pled that Justin Bloxham resided at the property at the time of the fire.<\/p>\n\n\n\n<p>The Bloxham\u2019s have escaped this dispositive motion for now. The trial court noted that it could not consider any investigative reports from Defendant\u2014which included power usage bills and other lengthy exhibits\u2014in its determination of a Motion for Judgment on the Pleadings.<br>__________________<br><sup>1<\/sup>\u00a0<em>Bloxham v. Allstate Ins. Co.<\/em>, No. 3:19-cv-0481, 2019 WL 5067306 (M.D. Penn. Oct. 9, \u00a02019).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jason Cieri | Property Insurance Coverage Law Blog | November 11, 2019 A federal trial court in Pennsylvania recently ruled that the assertions made by the insureds were enough to overcome the insurer\u2019s motion for judgment on the pleadings.1&nbsp;On May 18, 2017, Nanette and Justin Bloxham\u2019s home and contents were damaged by a fire. The&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/court-rules-insured-resided-at-burnt-home\/\">Continue reading <span class=\"screen-reader-text\">Court Rules Insured Resided at Burnt Home Based on His Assertions<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[9914],"tags":[9895,7635,23],"class_list":["post-896717","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-fire-damage","tag-insurance-coverage","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Court Rules Insured Resided at Burnt Home Based on His Assertions - Advise &amp; 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