Ron Barrington carries a $400,000 open insurance policy with Integrodon Property Insurance and a $100,000 open insurance policy with Segurimax Property Insurance. These policies cover a house that is worth $400,000. Each carries a pro rata clause.
The house is completely destroyed when a meth-addled helicopter pilot crash-lands into the portico. The pilot, Dean Sweeney, survives the crash.
Barrington immediately files a claim with both insurers. Integrodon immediately pays what it owes. Segurimax, on the other hand, puts Barrington off for years by pretending that Barrington's phone is dropping calls and that his written correspondence is being lost in the mail.
1. How much may Barrington collect, total, from the two insurers?
2. How much does Integrodon owe?