The insured declared a major loss to his business caused by water pipe failure due to freezing.

Our investigation and our analysis of the objective and subjective elements demonstrated:

• several improbabilities, false information during subscription and false statements after the loss,
• pre-existing damage,
• major shortcomings in the upkeep of the premises,
• a catastrophic financial situation,
• significant upcoming expenses,
• that the representatives of the insured orchestrated a staging that led to the water damage.

The insurer invoked the inadmissibility of the loss and requested the cancellation ab initio of the insurance policy.

The insured sued but signed a withdrawal following the presentation of the defense, in exchange for a final payment of $10,000, essentially a refund of the insurance premium.