On Fri, 4 Mar 2016 19:49:46 -0500, Keyser Söze wrote:

How about the insurance company that has to pick up the tab?

This does bring up an interesting point.
Insurance companies are in the risk business and if this was so risky,
we should expect that his homeowner's insurance would be out of sight.
Tim, what do you pay per $100,000 in coverage?
How bout you Harry? Richard?

That would be an impartial indicator, made by underwriters who do this
for a living and actually have skin in the game