Got back a non-answer something like "That's a case-by-case determination."
I wrote back, "Can you point me to cases were the court found an policy holder's actions warranted damages be awarded and you found those same actions "reasonable" and paid the resulting damages?
Never hear back.
Of course, it could be a State-by-State thing or an Insurance Co.-by-Insurance Co thing.
Hope you have what you need, if you ever need it.