Forgive my logical reasoning here, but I’m thinking if a four-year-old child only “lightly touched” a four-foot tall tombstone, the thing wouldn’t’ve fallen over just like that; or maybe he found it was already loose and, being a kid, started rocking it with a little bit of force and caused it to fall back onto him. Which begs a whole different set of questions: was the tombstone made of some form of cut stone (marble or granite), or cement-which can crumble over time; was it on the grave of a family member, or was the child being mischievious as 4-yr olds tend to be around a stranger’s tombstone?
I’m not sure about a deceased homeowner’s policy covering damages caused by the deceased’s tombstone–how could anyone anticipate something like that?
Doesn’t a homeowner’s policy extend liability coverage to the insured’s cemetery plot? I guess the deceased’s HO policy has lapsed long ago, tho…
Forgive my logical reasoning here, but I’m thinking if a four-year-old child only “lightly touched” a four-foot tall tombstone, the thing wouldn’t’ve fallen over just like that; or maybe he found it was already loose and, being a kid, started rocking it with a little bit of force and caused it to fall back onto him. Which begs a whole different set of questions: was the tombstone made of some form of cut stone (marble or granite), or cement-which can crumble over time; was it on the grave of a family member, or was the child being mischievious as 4-yr olds tend to be around a stranger’s tombstone?
I’m not sure about a deceased homeowner’s policy covering damages caused by the deceased’s tombstone–how could anyone anticipate something like that?