"Policy Ensurance" 
Once the policyholder has substantially complied with and performed terms and
conditions required by the policy, and there is no credible evidence that the policyholder
directly set fire for personal gain, the insurance company becomes akin to fiduciary. The
insurance company may not withhold funds unless there is a substantial breach of the
policy by the policyholder:
Feathers v. State Farm Fire & Cas. Co., 667 S.W. 2d 693.
