I’m wondering who (the insured or the insurer) holds the burden of proof after disputing a claim determination? Our insurance company is stating that our personal property is business property instead and therefore they will only pay a small fraction of the claim. Do we have to prove to the insurance company that these items are personal property or do they have to prove “primarily used for business”?
For more context, our home was burglarized and the claim we made was for the stolen materials and tools. We were in an active permitted remodel and these tools were purchased and used for the home.
A complaint with DOI was filed after our insurances position without explanation. After hounding them and hounding them, they are saying we have the burden of proof to show it’s not business property. They want bank and credit card statements. We provided them an itemized list of stolen property, a police report and video footage li feel as though