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Well, when the house burnt to the foundation...................I didn't have ANY powder in the house Mr. (or Mrs) insurance person.
Since it isn't an explosive, and is classed as a propellant, and propellants are not listed as a disqualifier on my policy, I've got a case. Also, I'll be suing you for abuse of process and mental anguish if this doesn't stop now.
Self proclaimed "insurance specialist" indeed. Hey, I guess if you take their word for everything and no for an answer easially, they'll always win.