Homeowners Derrick and Carol Scott have a homeowner's insurance policy with Allstate Insurance Co. On April 16, 2004, a fire severely damaged their home and its contents. Derrick Scott stated that on the day of the fire he noticed a "wet spot" on the floor of his garage. He decided to investigate the nature of this "wet spot" by lighting it with a match. Purchase Bob Bruss reports online. When he dropped the match to the floor, the liquid ignited and flames shot into the air. Derrick then tried, unsuccessfully, to prevent the spread of the fire. 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. Allstate pointed to several clauses in its insurance policy that exclude coverage for intentional acts of the insured. But ...
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