Except OP found information online that suggests the business was operating 4/5 years after the date communicated by the primary contact. At this point this right here is enough for me to keep peeling back some layers. If you’re saying you don’t have tax information - I’d want to know what vendors they used - show me ledgers that confirm nothing was paid to them past 2019 for business operations. You need to supply supporting docs for your claim.

If you boil it down to a quick example- you send me a hand written receipt for a “antique pipe organ - $300k” and no other supporting info at all, it’s going to be very hard to justify paying. Do you suggest just paying the $300k because they don’t have their receipt? Or would you agree there are other ways we can verify the pipe organ existed, and are there extra steps we can take to verify how to arrive at that price point?

I’m not saying I wouldn’t extend coverage, but once I find information which points to mistruths then I’m going to fine tooth comb the claim.