East Fork says it promptly filed a declare with Vacationers. The insurer assigned three declare numbers – F4S3375, F4S3378, and F4S3379 – and despatched adjuster Anthony Morris to Asheville on October 23, 2024. Over the subsequent two months, Vacationers despatched 5 protection letters, dated October 30, October 31, November 6, and two on December 27, 2024. The December 27 letters denied protection for East Fork’s enterprise interruption and additional expense losses. East Fork alleges Vacationers relied on “fastidiously chosen, and distorted, coverage language” and disregarded different provisions that, in line with East Fork, ought to have triggered protection.
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