Q: Can a insurance company sue you for accidental fire if you don’t have renters insurance
A:
An Ohio attorney could advise best, but your post remains open for two weeks. As a general practice, insurance companies do pursue such claims. They paid their insured; it's likely they are alleging the root cause of the fire was attributable to you. You could consult with an attorney to review the allegations and damages claimed in the insurance company's court papers to determine whether you have viable defenses or whether other insurance policies (building?) could possibly be applicable. Good luck
Tim Akpinar
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