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Stradford v. Zurich Insurance Co.

United States District Court for the Southern District of New York
2000 WL 31027517 (S.D.N.Y. 2002)


Stradford (plaintiff) was a dentist whose office was insured by Zurich Insurance Co. (Zurich) (defendants). In 1999, Stradford failed to pay his premiums and Zurich accordingly cancelled the policy. Once Stradford began making payments again, Zurich reinstated the policy. Ten days later, Stradford submitted claims for water damage from allegedly frozen pipes to his building and dental supplies totaling $151,000. After Zurich made payment to Stradford on these claims, Stradford submitted a revised claim identifying total property damages of $1.39 million and business interruption costs of $168,000. When Stradford sued for payment under the policy, Zurich counterclaimed alleging fraud.

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