Horton v. Allstate Insurance Co.

The plaintiff, Michael Horton, had a fire insurance policy on his home with the defendant, Allstate Insurance Company. The home was damaged by a fire which both parties agree may have stemmed from incendiary origins. Pursuant to the terms of the policy, Horton submitted “sworn statements of proof of loss” to Allstate. Allstate rejected those statements and requested more detailed statements, as well as additional documentation to which it contends it was entitled under the terms of the policy.

The plaintiff made no attempt to comply with Allstate’s request and took no action to either excuse…