She certain can, but she also bears some responsibility for using the service. For instance, I wouldn't use it unless I had everything from my garlic press to my furniture and space insured to the hilt, and was sure my policy covered these tenants.
Is it cynical when you see a pattern in the language she's using? She's not the first customer to complain about the outcome of a business transaction she engaged in, remember Paula Jones?, so the public at large is already well-educated in terms of what happens next.
I'm on record with my desire to see counsel retained on her behalf before passing judgement on what exactly she's angling for and I think the specialization of that particular legal counsel will spell it out for us.