For you folks reading this thread keep in mind that it is a policyholder's responsiblity to prove to an insurnace company that they have a legitimate claim. However it is the insurance companies obligation to prove an exclusion exists. This could get tricky with these types of claims and the reason the insurer worded the proposal concerning an earlier post on drilling to determine the cause of loss. It is also true that a good number of these claims amount to a total loss. This same sort of thing occurs with claims that require remediation such as oil spills or mold/mildew claims water damage. There was a claim in MN on a home valued at $5million with $4 million in water damages. The moral of the story is you don't always get what you pay for. I would expect for $5 million that if the entire world blew up that house would be intact floating in space.
