Oh but I do know what I’m talking about. And I did read the article. And the article states “The people in Purcell’s neighborhood have no fire coverage”. Notice the Key Words....no.fire.coverage.
There is a cost for being dumb. For some it’s not a lot of money but for this particular homeowner the cost of being dumb is $20K
Your reply in post #22 has done nothing to refute my contention that he thought he had insurance, instead of your original contention that he intentionally did not buy the insurance because he didn't want to pay for the service.