A few weeks back, I received a submission from a broker requesting a quote for a motel & RV park owner. The motel consisted of about three buildings – two were older one-storey frame lodgings built in the 1940’s and one was brand new. In their loss history declaration, it was stated that the new building was a reconstruction of an older building that burned to the ground through no fault of the owner. Apparently, an out-of-town hockey team lodged at the motel for a few nights. On one particular afternoon, the players returned to their rooms and hung their gear and clothing over the hot water radiator to dry. They left their rooms to get some food and while they were eating, the gear and clothing caught on fire. Due to the age and construction of the building, the fire spread quickly and leveled the rest of the building. In an incident such as this, one thing the insured could have done was install covers for all the radiators in the three buildings. A properly constructed cover (to code) would provide enough distance between the radiator and any combustible material. However, truth be told, there is little else the insured could have done. Such radiators are only common in older buildings and even then, many have had the electrical, heating, and plumbing updated over the years. Few people actually know how to safely operate the older equipment. While a case can be made that the insured should have had the foresight to post a warning sign with instructions, we would be heading into a direction where it is no longer clear just how much care an insured needs to demonstrate with their risk management practices. After all, there is only so much one can do within reasonable expectations. Thankfully, with the insurance afforded to the insured, they were able to pay for debris removal and reconstruction of the building. The total cost of the bill came in around $350,000.