@AlanRail posted:HARSH!? maybe. When I was an engineer, for a short time in my engineering career, I was sent out to investigate residential damage claims; floods, fires, roof leaks, foundation and brick issues, etc.. I would write reports to the insurer about the conditions of the residence.
I know you will find this hard to believe but a big part of my investigation centered on "existing conditions." What was existing in that residence that could have caused, for example, the fire (even arson which was also handled by the fire dept.)?
If I found an electrical device as the probable source; the insurer would follow up with the insured with those infamous two words " NO COVERAGE."
Never heard of an exclusion or no coverage due to damage caused by an electrical device.
My brother is my insurance agent. He sometimes uses the acronym RTGDP. It means Read The [Gosh Darn] Policy. You made me read (well skim through) mine. I don’t see any exclusion for fire caused by an electrical device, but I’m going to send him a paraphrase of your post and see what he thinks.
