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Originally Posted by onebaddude1968

I understand that the INSURANCE may not pay. I am trying to find out if the liability may fall directly and PERSONALLY on the boyfriend or the landlord themselves. I have seen cases where people have "unintentionally" started a fire while smoking in bed, they were sued and made to pay for the damage. (they were actually sued BY insurance carrier to recoup the loss).

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The only way to know if insurance will pay is to file a claim with the insurance company. No one can guess which company will or won't pay.

Please give me citations for the cases where people started a fire while smoking in bed, were sued and "made" to pay for the damage.