An investor just blew $45,000. Want to know why?

[Timothy W.]

An investor who had a fire at their property had full insurance coverage on the loss, the policy was in force, had about $90,000.00 in damage, had a limit of insurance of 1.5 million dollars, and was a clear cut case of a covered loss that should have had a full payout less the 5k deductible. However, the investor blew $45,000.00 of the insurance payout by doing one thing wrong. Care to know what that is?