---
title: "Will I lose my homeowner's insurance claim if I am charged with arson?"
description: "Likely yes - at least temporarily. Homeowner's policies have a standard \"intentional acts\" exclusion, and insurers routinely deny fire claims once the state fire marshal rules the cause \"incendiary\"..."
url: https://bankandmunns.com/faq-items/will-i-lose-my-homeowners-insurance-claim-if-i-am-charged-with-arson/
date: 2026-04-21
modified: 2026-04-22
author: "Bank and Munns"
type: avada_faq
lang: en
---

# Will I lose my homeowner's insurance claim if I am charged with arson?

Likely yes - at least temporarily. Homeowner's policies have a standard "intentional acts" exclusion, and insurers routinely deny fire claims once the state fire marshal rules the cause "incendiary" or once arson charges are filed. Many policies also contain a "fraud and concealment" clause that voids the entire policy if the insurer believes the insured lied or omitted material facts in the claim process. You have contractual rights - a civil claim against the insurer for bad-faith denial is often available - but those rights have to be coordinated carefully with the criminal defense. What you say in an insurance "examination under oath" can become criminal evidence, and what you say to a criminal investigator can torpedo the civil claim. This is why serious arson cases need a coordinated defense. Your **Rhode Island arson lawyer** at Bank & Munns works alongside civil counsel to protect both tracks at once.