A Charlotte, NC man, having purchased a case of rare, very expensive
cigars, insured them against… get this… fire.

Within a month, having smoked his entire stockpile of fabulous cigars, and
having yet to make a single payment on the policy, the man filed a claim
against the insurance company. In his claim, he stated that he had lost
the cigars in a series of small fires.

The insurance company refused to pay, citing the obvious reason that the
man had consumed the cigars in a normal fashion. The man sued… and
won!

In delivering his ruling, the judge stated that since the man held a policy
from the company in which it had warranted that the cigars were insurable,
and also guaranteed that it would insure the cigars against fire, without
defining what it considered to be unacceptable fire, it was obligated to
compensate the insured for his loss.

Rather than endure a lengthy and costly appeal process, the insurance
company accepted the judges ruling and paid the man $15,000 for the rare
cigars he lost in the fires.

After the man cashed his cheque however, the insurance company had him
arrested… on 24 counts of arson ! With his own insurance claim and
testimony from the previous case being used against him, the man was
convicted of intentionally burning the rare cigars and sentenced to 24
consecutive one year terms…