[JudyKayTee]

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).

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.