East Fork says it promptly filed a claim with Travelers. The insurer assigned three claim numbers – F4S3375, F4S3378, and F4S3379 – and sent adjuster Anthony Morris to Asheville on October 23, 2024. Over the next two months, Travelers sent five coverage letters, dated October 30, October 31, November 6, and two on December 27, 2024. The December 27 letters denied coverage for East Fork’s business interruption and extra expense losses. East Fork alleges Travelers relied on “carefully selected, and distorted, policy language” and disregarded other provisions that, according to East Fork, should have triggered coverage.