Should this person have got an insurance payout?

[donna]

I've put this in funnies - that's due to there not being a forum for 'unfortunates'.

The man decided to prepare a meal of steak and chips, but opted to cook the steak in a toaster rather than the frying pan.

While it was toasting, he left the house to go to the local fish and chip shop for chips.

His insurance co paid out $418K - the man thought it was $200K less than it should have been - whereas I'm surprised the insurance co. didn't have a clause for acts of stupidity - albeit they'd call it 'negligence'.

cheers,

Donna