This story is reprinted with permission from FC&&S Legal, the industry's only comprehensive digital resource designed for insurance coverage law professionals. Visit the website to subscribe.

A federal district court in California has ruled that an insurance company could void a homeowner's insurance policy based on the insured's "significant and unexplained misrepresentations" about an alleged burglary at his home — notwithstanding his alleged "memory problems" stemming from a previous "brain injury."

Statements to homeowners' insurance company 

After Floyd Castro's home was burglarized on April 20, 2014, he reported the burglary to the police. Three days later, he gave a recorded statement to his homeowner's insurance company, State Farm General Insurance Company.

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