The 10-room safari owned by Samy is fully insured. On a recent trip the Safari caught fire and was completely destroyed. When Samy applied for the insurance claim, the Insurance Company conducted an investigation and rejected the claim saying that the fire was deliberately started, hence the damage is not covered by the policy. Samy insists that the fire was an accident and the Insurance Company should pay the insured amount. Samy seeks your advice.

Focusing on the principles of insurance and the duties of the Insurance provider, draft your advice to Samy. Need IRAC format and a detailed explanation