Back in September 2018, a fire tore through the Metropolitan, a multi-building apartment complex in Birmingham, Alabama. One building – Phase 6 – was completely destroyed, while others suffered varying degrees of damage. At the time, Maxus Metropolitan, LLC had a policy with Travelers Property Casualty Company of America, covering up to $35 million for “direct physical loss . . . or damage” and up to $5 million for lost business income.