Insurer denied Indiana couple's fire claim; appeals court revives lawsuit

In November 2020, a fire damaged Antonne and Lisa Gose’s barn-style property in Richmond, Indiana. Investigators concluded that the fire had been deliberately set but did not identify who was responsible. The couple said they were out of state when it happened and denied involvement. Their insurer, Indiana Farm Bureau Insurance, denied their claims, citing suspected arson and the couple’s failure to authorise access to records from a storage facility. The Goses sued for breach of contract and bad faith, but a trial court ruled for the insurer.On October 23, 2026, the Indiana Court of Appeals reversed that decision, allowing both claims to proceed. The court found that factual disputes remained over whether the couple had substantially complied with the insurance policies and whether the insurer had handled their claims in good faith.