Fire in Loon Cove today.

[betterthanbacon]

Originally Posted by AC2717

The simple answer being an agent:
Insurance covers stupidity

Insurance covers stupidity. But...
If the owners were the one burning leaves? I would think will give the insurance company a reason of doubt or speculation. This can give the ins. Company reason to do a long drawn out investigation before paying out..
Regardless. It sounds like the owners and neighbors didn’t experience any physical hardships and everyone is safe.
Kudos to all the firefighters and other responders

[Mr. V]

Originally Posted by betterthanbacon

Insurance covers stupidity. But...
If the owners were the one burning leaves? I would think will give the insurance company a reason of doubt or speculation.

It is covered.

As would damage to your roof be covered if you erroneously felled a tree that landed on it.

Or if the house burned down from a lit cigarette you held in your hand while falling asleep.

[AC2717]

Originally Posted by betterthanbacon

Insurance covers stupidity. But...
If the owners were the one burning leaves? I would think will give the insurance company a reason of doubt or speculation. This can give the ins. Company reason to do a long drawn out investigation before paying out..
Regardless. It sounds like the owners and neighbors didn’t experience any physical hardships and everyone is safe.
Kudos to all the firefighters and other responders

as having dealt with this in the past unless there is overwhelming evidence, it will not be investigated

who says they have insurance though

[upthesaukee]

From the perspective of a Personal Lines Underwriter for over 15 years, in my prior life, there were many times that we wished we had one all inclusive exclusion to our policies: the Aggravated Ignorance clause. Sadly, no insurance department would allow it.

Dave