Anonymous asked in Politics & GovernmentLaw Enforcement & Police · 5 months ago

Could such an insurance claim work?

Say that I buy a box of high end cigars.

Then a month later, I file a homeowners insurance claim stating that the cigars were destroyed in a series of small fires.

Technically, I'm not lying. That is indeed what happened to the cigars.

6 Answers

  • Anonymous
    5 months ago

    Do you REALLY think you're the first person to ever come up with this or a similar scheme?

    Yes, you could file the claim.  I don't know where you'll get insurance for the rest of your life, but it will be an interesting lawsuit.

  • Foofa
    Lv 7
    5 months ago

    You'd have to prove it wasn't arson of course ;-)

  • D50
    Lv 6
    5 months ago

    Multiple fires means multiple claims. Each cigar will be below the deductible.

  • Anonymous
    5 months ago

    Not always. You are just better off with the truth.

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  • 5 months ago


    First, you can't file an insurance claim stating that something happened in a "series" of anything.  You can only claim the damage from one event on each claim.  When things are destroyed in a series of events, you have to file a separate claim for each event.

    Second, damage from fires that you intentionally start isn't covered by insurance anyway.

  • Dan
    Lv 6
    5 months ago

    Haha very funny. A comedian, eh? 

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