قالب وردپرس درنا توس
Home / Insurance / Is it covered to smoke the snakes and burn down the house? | Property Insurance Law Team Blog

Is it covered to smoke the snakes and burn down the house? | Property Insurance Law Team Blog



In one of the more bizarre causes of losses, the owner of a million-dollar house tried to free the house from snakes by "smoking them out." Unfortunately, they burned down their home in the process. The person who gave me this crazy story asked if the loss is covered.

The story, Maryland Homeowners Burned Down Their Home While Trying to Ride the House of Snakes reported by CNN, partly indicates: [19659003] A A nearly 10,000-square-foot house in Dickerson, Maryland, an hour west of Baltimore, was engulfed in flames on Nov. 23 when the homeowner tried to smoke a snake infestation on the property, Pete Piringer, chief spokesman for the Montgomery County Fire & Rescue Service, told CNN. [1

9659003] Piringer said that snakes had been an ongoing problem for this owner and the previous tenant as well.

Coal was used as a heat source for the smoke, but they were placed too close to combustible materials, which eventually set fire to the house, Piringer explained.

The fire started in the basement and spread quickly through each floor and engulfed the multi-story building …
. ..

The damage will cost more than $ 1 million, Piringer said. The house was recently purchased for $ 1.8 million, according to public records.

The fire department considered the incident an accident because there was no evidence or intent to start the fire.

What is the first to determine coverage. step? Read the policy. I do not have the insurance, and I intend to skip the whole discussion that snake damage or snake removal should be covered.

Regarding the fire, fires caused by mistake are generally covered by all-risk insurance. These happen all the time. A deliberately set fire with the intention of causing fire damage to the home is not covered.

The more difficult problem is the smoke that was intentionally placed into the structure to kill or force the snakes away. I guess the smoke damaged the house before the accidental fire burned it down. It is difficult to imagine how one could not foresee that the smoke would not damage the home. However, given the chosen way of removing snakes, it is clear that these people are not members of Mensa. The ignorance factor must be quite high.

Perhaps the best argument for the smoke damage is to take a write-off of the amount that could be covered when the change is made.

I will follow up this issue later with a larger coverage analysis. But for a Saturday, only the bizarre story is one to share.

Thought for the day

Stupid is as stupid as Gump [19659071965907[1965907]]
Source link