I could spend hours just giving you examples of claims covered by homeowner’s insurance. The general idea is that the unintended result of an intentional act is often covered by a standard US homeowner’s policy. For example, if a child threw a rock, and the rock knocked out your child’s eye, that can be covered. If you came over to my house to help me fix my lawnmower, and I thought you were clear when I tried to start it, and you lose your finger, that can be covered. A hot grill or stove is left unattended, a child gets burned, that can be covered. Don’t even begin to try to figure out this area of the law yourself.
I wonder if 1800 US LAWYER would seriously answer ALL my questions, because I have several. Also, if this woman really can spend hours giving examples of disturbing insurance claims, I’d listen.