Quote Originally Posted by Martinjmpr View Post
Why wouldn't insurance cover it? It wasn't the owner's fault.

Before you say "insurance won't cover it because it wasn't an accident, it was deliberate" - well, if a crackhead burns my house down I'm pretty sure insurance will cover that.

If it doesn't I'm not going to sue the crackhead I'm going to sue my insurance company because what the hell am I paying premiums for if not un-anticipated catastrophic events that destroy my house?

Whether the insurance company can then turn around and sue GVPD for indemnification (and I'm pretty sure such a suit would be barred by the doctrine of Sovereign Immunity unless it was a civil rights case) is not the homeowner's concern. He paid his premiums, now the insurance company needs to pay him.
Because insurance companies do there best to wriggle out of any payouts.