I know and understand that but if your house was not in the fire that was casued by the arson and the Fire Department determines that the cause of the fire that burned your property was due to something like a tree branch falling due to wind on powerlines or from blowing embers then I think you would have one heck of a time with the insurance adjusters unless you have added coverage for those types of things. Just my thoughts as I don't know of many insurance companies that like to payout. By the way I do have coverage that covers those types of things.....earth quakes, wild fires, mud slides, flooding, etc....