Evidence graph · finding

4 Sep 2026: Travelers denies — the letter's only written reasoning: 'our insured is not liable for any damages claimed'

The letter says Travelers 'reviewed all the information available' and 'completed our research', and that 'our insured isn't legally liable for the damages you sustained from this loss. We are therefore denying your claim.' Under 'Our reasoning' it says only: 'During our investigation, we found that our insured is not liable for any damages claimed.' It gives no other reason. The owner says the adjuster told her the denial rested on there being no prior claims involving the product — her 8 September email to VEG records it as 'because they couldn't identify any prior claims involving this product, they concluded that the incident must have been the owner's fault' — and that the product was expired. Neither explanation is in the letter. 'No previous claims' is not the same as no prior public complaints, and is not a recognised defense to a strict-liability defect claim.