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> I see this blanket assertion in lots of comment threads, but never with a citation.

Imagine a company whose only product is one that if anyone uses, they lose profit. It doesn't take a huge leap of imagination to believe insurance companies will blame literally anything to deny coverage on a house fire.

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And imagine if you had a house fire and had your coverage denied. Would you be at all shy of posting those details on a public forum? I'm not saying that denials like this can't/haven't happened, just that I've never seen a first-hand account of such an occurrence (it's always somebody's cousin's co-worker's son).

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