It happens too frequently in the Boston area: the gas company or a contractor carelessly causes a gas leak with the resulting destruction of a home or business. If luck prevails, no one is killed or injured. The gas explosion in Readville of November 3, 2010 is just such an event.
After the fire is out and the news cameras leave, the homeowner is faced with total loss, not only of the home but all its contents. Homeowner’s insurance will provide some compensation based on the market value of the items lost in the fire or explosion (or in some cases replacement cost less depreciation). But what’s the market value of family photos, the family bible, a lovingly tended garden or the many other unique and irreplaceable parts that make a home? The standard homeowner’s policy will not compensate for this loss.