Those who follow Florida's property insurance market know that insurance companies can and do go belly-up. Warren's point is fair, if likely not in play here.
It is also true that insurance companies expect their policyholders to abide by the terms of the policy. They will deny your fire claim if you have unpermitted work done by an unlicensed electrician.
The video probably didn't help, but I expect any big claim is investigated before payout.
.
