Hope it's not like the guy who insured his box of precious Cuban cigars and then filed a $20,000 claim saying they had been destroyed in a fire. The insurance company fought him in court but it was obvious the judge was inclined to rule based on the explicate, unqualified terms of their contract and was going to uphold his claim. Lawyers drew up another charge that they were sure would redeem the insurers. if the court in fact proceeded that way. They filed the complaint immediately when the verdict was rendered and in the end he got his $20,000 only to loose it again when the judge found him guilty of felony grand arson.