[codebreaker]

I've dealt with some of these insurance companies before, they very well might not honor the claim..

[goldstategop]

I don't think deliberate destruction of your own home is covered by homeowners policies.

[HairOfTheDog]

They may not cover it because of the negligence of the son, although they should. Calling it a deliberate plan by the parents to get the house ruined for the insurance money is a bit ridiculous, don't you think?