Wessler

BACKGROUND

The Wesslers, a married couple, owned property in Danville, California (the Danville home) since 2000. Richard, a general contractor, built the home and the Wesslers lived in the home until 2008. They permitted their friends, Timothy and Agnes Shelton (the Sheltons), to live in the home without paying rent. On March 22, 2010, Mid-Century executed and delivered to the Wesslers a homeowner’s policy (the policy), which was in effect from January 31, 2010, through January 31, 2011. The policy covered damage to the Danville home. The policy provided that the claimants had various duties after a loss, including the obligation to make a list of damaged or destroyed personal property and to attach bills and/or records, and to cooperate with Mid-Century’s investigation of the loss. The claimant also had the duty to do the following as often as Mid-Century reasonably required: provide records, documents, and other information requested, including “but not limited to banking records, asset, debt and income information, records and documents, credit history and other financial records . . . . [;]” submit to examinations under oath by Mid-Century and “[s]ubmission to a requested…