A whole new meaning to ‘fire insurance’

This story was pretty amazing to me — AIG sent a firetruck to protect from Idaho wildfires some expensive homes that it insures. I hate to be the one to mention this, but does a proactive measure like this create the possibility of extra-contractual insurer liability if any of the following occur?

  • a home that is both insured by AIG and is within the area protected by the firetruck burns down;
  • a home that is insured by AIG but outside the area protected by the firetruck burns down;
  • a home that is not insured by AIG but is inside the area protected by the firetruck burns down;
  • AIG-insured homes burn down in some future wildfire where a firetruck is not dispatched.

I know what some will say — spoken like a lawyer!  Remember, however, I grew up in a small town and have also been a journalist, two other ways you learn about the dark side of human conduct. 

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