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Thus , whether it was as a result of the fireplace was lighted improperly or was lighted properly but negligently attended to thereafter or whether the fire was induced on account of the negligence of the insured or his servants or strangers is immaterial and the insurer is liable to indemnify the insured. But the fact that the insurer had an possibility as to the way through which he would put the insured into pre-loss position didn't imply that he was not liable to indemnify him in one way or another, immediately the loss occurred. Indemnity insurance coverage was an agreement by the insurer to confer on the insured a contractual proper, which prima facie, came into existence immediately when the loss was suffered by the happening of an event insured towards, to be put by the insurer into the identical position through which the accused would have had the event not occurred but in no higher position. The questions within the proposal type for a hearth coverage are so framed as to get all information which is materials to the insurer to know so as to evaluate the danger and fix the premium, that is, all materials facts. So lengthy as the loss is because of hearth inside the which means of the policy, it's immaterial what the reason for fireplace is, generally

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