[close04]

> Insurers aren't out to get you

Indeed they are not. They are out to maximize profit either by not paying out when possible (sometimes only if forced by the court), or by paying out and recovering the money from the party to blame for the damage (in this case also the owner). And as the links provided below show, many courts see it their way and consider that damage cause by faulty workmanship is not covered by insurance.

I've done my part, the court supporting my claim shows it's as real as it gets. If you want to support your claim that it's an urban legend all you have to do is show that this never actually happened.

[fr0sty]

The relevant court decision in that link related to faulty construction resulting in water incursion over months/years. I don't see how that is at all analogous to the scenario we have been discussing (DIY smart outlet malfunctions, house burns down).

https://www.robinskaplan.com/~/media/pdfs/uncrackable%20cons...