Insurance Company Balks at Claims in Fatal Conn. Fire

April 30, 2012

An insurance company said it should not have to pay claims or lawsuits stemming from a Christmas morning fire that killed five people because a contractor renovating the house misrepresented the type and scope of work his company performs.

Utica First Insurance Co. argued in a lawsuit filed last week in New York that Michael Borcina misrepresented the number of employees with his company, Tiberias Construction, its sales and payroll, and size and type of work it performs. The insurer says if it knew the facts, it would not have issued the policies.

The fire in Stamford, blamed on discarded fireplace ashes, killed 9-year-old Lily and 7-year-old twins Sarah and Grace Badger, and their grandparents, Lomer and Pauline Johnson. Authorities have said Borcina, who was among those who escaped the blaze, is believed to have put the ashes in or outside an entry, near the trash.

The lawsuit says those who could be affected include the girls’ parents, Madonna and Matthew Badger; Madonna’s brother, Wade Johnson, and the estates of the victims. The Badgers are divorced.

The lawsuit requests a court judgment declaring the insurer has no obligation to defend or pay any claims or lawsuits that may arise from the fire.

“We are very disappointed that Tiberias Construction’s insurance company is trying to get out from under its legal obligations,” said David Grudberg, Borcina’s attorney.

Richard Emery, Matthew Badger’s attorney, said he has to examine the insurer’s claim.

“But at first blush it certainly seems that the insurance company is trying to wiggle out of their responsibility to compensate Borcina’s victims,” Emery said.

Emery said he was considering a lawsuit against Borcina “and a lot of other people that we believe are responsible for what occurred.”

Stan Twardy, attorney for Madonna Badger, declined to comment, saying he hadn’t seen the lawsuit. A message was left with an attorney for the insurance company.

The insurer says its rules for acceptable types of businesses and risks for which it provides insurance specifies limits on the number of employees, sales, payroll and type of work.

Matthew Badger has started a project that supports underfunded elementary school arts programs in memory of his daughters.

“Nothing is going to bring them back but perhaps their memory can be perpetuated effectively if the foundation that Matthew Badger has started is properly supported,” Emery said.

Latest Comments

  • May 7, 2012 at 11:59 am
    MarketMaker says:
    I don't see how the contractor, who was not operating in that capacity at the time, but as a guest of the family; his negligent disposal of burning embers does not fall under ... read more
  • May 7, 2012 at 10:32 am
    James Kingsley says:
    One might ask why the carrier never bothered to look at their insured's website- underwriting 101 these days- the web site is very clear about the insured's operations
  • May 3, 2012 at 6:08 pm
    TM says:
    Bob: The homeowner did not dispose of the ashes. Her boyfriend who was also the contractor)was the one who cleaned out the fire place and put the ashes in the mud room.
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