You don't have the right to be stupid

Homeowner destroys house with stupid mistake. So if you discover a puddle of "unknown liquid" in your garage, why would your first act be to light it with a match? There is at least some chance it is gasoline.

If you do this, don't expect your insurance to pay.

After evaluating the evidence regarding the fire, Allstate denied the fire damage claim. Allstate argues it denied the coverage because the fire damage to the home was not "accidental" as required by the homeowner's insurance policy, but Derrick intentionally dropped a match into the unknown liquid, thus causing the loss.

So far, the courts are on the side of the insurance company.

You are not insured against stupidity.

This story actually restores a little of my faith in the judicial system.