This sounds like the insurance company was using a legal dodge to keep from paying. You said, "semantics"...the words of the contract?
It sounds like the insurance company SHOULD have paid.
It sounds like the Salvation Army lawyer knew that.
It sounds like the Salvation Army lawyer got the insurance company to pay, the thing you've agreed that the insurance company was supposed to do in the first place.
The SA attorney was a shark. I will never give them any money
Do you still pay the insurance company?
I had insurance which in the end paid the bill, but only after the State Ins Commissioner got involved. The lawyer was not after the Inc Co., she was after us and many of the threats she made were illegal and proven to be so.
Do I still have that Ins Co? No way!
As for the SA we did not want charity in the sense of a freebie, but we did need charity in the sense of kindness and grace, neither of which we received from the supposed charitable institution.