Well, my legal training is limited to old episodes of Matlock but I'd probably hem and haw a bit when it came time to discuss this incident with your insurance company.
You might even have a flashback and suddenly recall that you saw two hoodie-wearing youths throw something on top of your refrigerator and under further hypnosis you might even recall hearing one of them say to the other as they ran away, "Let's get out of here before that firebomb we made of old gunpowder ignites and causes a fire in the garage of that completely innocent man we don't even know."
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