[REPLAY] My Son Set Off Fireworks in My House
What's the Scenario? with PLRB
Release Date: 06/26/2026
Your Neighbor's Attitude is Not an Occurrence
What's the Scenario? with PLRB
The insured has spent months in an escalating dispute with his neighbor over the neighbor’s alleged violation of HOA rules and garish lawn decorations. Finally, the insured takes things too far by aiming his sprinkler at the neighbor’s newly painted shed, ruining an expensive paint job. The insured has been sued, and wants their insurance company to defend them in the lawsuit. Notable Timestamps [ 00:00:32 ] - This scenario involves an insured causing damage by ruining a neighbor's painted shed with a sprinkler, and expecting a defense. [ 00:01:17 ] - The PLRB's Frontlines newsletter is a...
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Playing Defense Against Negligence Claims
What's the Scenario? with PLRB
During a recreational adult hockey league practice, the goalie skated backward into the crease after a drill and grabbed the top crossbar of the net while stretching and joking with other players. The ice had recently been resurfaced, and the net had not yet been properly secured to the ice. As the goalie leaned his body weight onto the frame, the goal tipped backward and struck him. In a negligence claim between the goalie and the arena, which team takes the blame? Notable Timestamps [ 01:03 ] - Establishing negligence requires meeting four elements, which include having a duty owed, a breach...
info_outline![[REPLAY] My Son Set Off Fireworks in My House show art](https://assets.libsyn.com/item/41827180?height=50&width=50)
[REPLAY] My Son Set Off Fireworks in My House
What's the Scenario? with PLRB
As we hit our next holiday week and listen to the sounds of fireworks, we’d like to share a classic episode featuring the insurance implications of fireworks. So fire up the grill, and put this episode on the speakers. Is there an exclusion for stupid? Join Alissha, Mike, and Tim to discuss bad decisions, wedding rings stuck on fingers, dumpster fires, and whether the choice to set off a firework inside a house is considered “intentional” under the policy. Notable Timestamps [ 00:17 ] - The insured’s son set off a firework in the house for the excitement, causing...
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When the Claims Executive Became the Claimant
What's the Scenario? with PLRB
As a claims executive leader, Awais Farooq built and oversaw coverage frameworks, liability investigations, reserve governance, and total loss protocols. He believed that institutional fluency would make his own claim predictable. Then he struck a deer on his motorcycle and suffered a significant leg injury. His claim was segmented across bodily injury, property damage, and total loss. Each function operated correctly. Yet without a single point of ownership, the experience felt operationally sound but emotionally fragmented. Notable Timestamps [ 00:37 ] - Awais Farooq experienced a motorcycle...
info_outline![[REPLAY] Herding Weather/CATs show art](https://assets.libsyn.com/item/41596575?height=50&width=50)
[REPLAY] Herding Weather/CATs
What's the Scenario? with PLRB
Right now we’re traveling back from this week’s successful Eastern Regional Conference. So this week, as we head into summer, we’re sharing an episode on how to take advantage of all the services that the PLRB Weather/CATs department has to offer. A supervisor leads a team of very needy CAT adjusters! Over the course of the year, the supervisor fields many questions as it comes up in their claims. Was there hail on X date? Was there lightning in the area? This hurricane is coming soon, where can I get news about it? Winter weather caused a slip and fall!! Where can I find...
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Rounding the Bases to Establish Negligence
What's the Scenario? with PLRB
We’re calling “foul ball!” A spectator at a local minor league baseball game was injured when a foul ball zipped through a tear in the safety net and broke his arm. The spectator claims that the stadium owed him a safe environment, that it knew about the tear and didn’t fix it, and that the mascot wasn’t even that funny. To score, our litigant is going to have to run all four bases of the core elements of negligence: duty, breach, causation, and damages. Notable Timestamps [ 00:00 ] - A foul ball injury at a minor league game sets the stage for a negligence analysis, focusing on...
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My Cat Set My House On Fire
What's the Scenario? with PLRB
A cat jumps on the stove to get leftovers, accidentally turns a burner, and starts a kitchen fire. The homeowner has heard of an exclusion that applies to damage caused by animals owned or kept by an insured, and is concerned that the fire will not be covered. Exactly how mad should the homeowner be with their cat? (And how long can they stay mad at that face?) Notable Timestamps [ 00:00 ] - A kitchen fire caused by a pet can initially alarm insureds who may believe the animal exclusion automatically bars coverage for any damage involving their cat or dog. [ 00:53 ] - The discussion highlights...
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Wildfire: Why Do Adjusters Get a Bad Rap?
What's the Scenario? with PLRB
Wildfire claims are emotional, public, and inconsistent across carriers, so adjusters often become the face of "no." Using a real fire example, we’ll explore empathy, advance payments, uneven guidance, social media comparisons, and follow-through as tools to protect our reputation. Notable Timestamps [ 00:09 ] - Wildfire claims can be highly emotional and public, and adjusters often become the visible representative of difficult coverage decisions. [ 01:28 ] - PLRB recognizes Outstanding Claims Professionals not only for technical skill, but also for restoring lives and setting standards in...
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[REPLAY] Bumping Brewery Bollards
What's the Scenario? with PLRB
[REPLAY] This week, check out a podcast featured in PLRB's new PACE Program: "The new PLRB Advanced Coverage Education (PACE) designation is more than a credential. It’s a powerful way to strengthen your claims expertise. PACE begins with a Core Curriculum that builds a foundation in insurance basics and the claims process. From there, professionals can grow through Business LineTracks that support field-specific development, and Claims Intensives that dive deeper into essential topics like fraud and ethics. Developed with PLRB’s long‑standing commitment to high‑quality education, PACE...
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Fact or Fixture? That Ceiling Tile is Personal Property!
What's the Scenario? with PLRB
The roof of a 100-year-old farmhouse suddenly collapses under the weight of water. The building was insured under a farm policy that, in this case, only provided coverage for personal property and not the dwelling or real property. The insured claims that the carpet, water heater, and even ceiling tiles are all personal property, and therefore covered! What is a fixture? Notable Timestamps [ 00:00 ] - The episode explores how fixture disputes affect insurance coverage, using a collapsed farmhouse roof scenario where coverage depended on whether damaged items qualified as personal property or...
info_outlineAs we hit our next holiday week and listen to the sounds of fireworks, we’d like to share a classic episode featuring the insurance implications of fireworks. So fire up the grill, and put this episode on the speakers.
Is there an exclusion for stupid? Join Alissha, Mike, and Tim to discuss bad decisions, wedding rings stuck on fingers, dumpster fires, and whether the choice to set off a firework inside a house is considered “intentional” under the policy.
Notable Timestamps
[ 00:17 ] - The insured’s son set off a firework in the house for the excitement, causing fire damage. The homeowners file a property claim.
[ 01:26 ] - Alissha, Mike, and Tim discuss their opinions on fireworks, sneaking over the state line, exploding toys, dog ownership, and dumpster fires.
[ 04:12 ] - There’s no exclusion for “stupid” (i.e. negligence), at least not prior to the loss.
[ 07:34 ] - There is an exclusion for intentional loss. “Intent” usually applies both when the actor intends the consequence, and when they know the consequences are substantially certain to result.
[ 08:46 ] - The fact that the son was intoxicated would not establish an insanity defense.
[ 10:36 ] - The son was living in the house, even though he spent much of the year at college, and would be considered an insured so no subrogation is possible.
[ 11:50 ] - For very young children, their young age can imply that they are not appreciating the consequences of their actions and that can speak to intent.
[ 13:04 ] - The team discusses scenarios where an adult intentionally set a fire so that her husband could heroically put it out, where someone breaks a ring to get it off their swelling finger, and where someone smashes a window to break into their own house.
[ 17:24 ] - Tim provides a recap of the scenario and the points above.
Your PLRB Resources
Homeowners annotation on the intentional loss exclusion - https://search.plrb.org/?dn=37&src=gsa
Does a Farm Policy Cover Injury to a Semi Driver Caused by Water Balloons Tossed from Insured's Vehicle? - https://search.plrb.org/?dn=17362&src=gsa
Cutting Off Ring That is Stuck On Swollen Finger… Intentional Loss? - https://search.plrb.org/?dn=67944&src=gsa
Is Damage to Property of Others Coverage Available Under a Homeowners Policy for a Window Broken by the Insured Tenant's Son at a Rental Property? - https://search.plrb.org/?dn=73010&src=gsa
CE course on Intentional Versus Negligent Conduct For Casualty Adjusters - https://www.plrb.org/public2/dislearn/description.cfm?mod=p0056
CE course on Subrogation Claims - https://www.plrb.org/public2/dislearn/description.cfm?mod=p0050
Webinar on Fire Loss Investigation Strategies - https://www.plrb.org/distlearn/webinars/vplayer.cfm?vid=w0024
Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company.
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Legal Information
The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate.
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