Allstate Insurance Company v. Charity

In this appeal, we consider whether a proof of loss submitted by an insured substantially complied with the terms and conditions of a fire insurance policy.

Allstate Insurance Company (Allstate) issued a fire insurance policy covering property owned by Patricia A. Charity. The property was totally destroyed by a fire. The policy required Charity to submit a proof of loss and required that, if Allstate chose to rebuild the property, it had to inform Charity of such decision within 30 days of receiving the proof of loss.

Charity notified Allstate of the loss and submitted a proof of loss on June…