i hear ya acie, and that's my point. this is about insurance company vs insurance company, which is the logical outcome of this situation. it has to be, because compensation is clearly owed, and it's much better to do that between insurance companies than to have neighboiurs warring over damages. that's the basis of our notion of property ownership.
and the issue of her age is irrelevant. i think it's too young, but it has nothing to do with what happened. 12, 15, 18, 65, whatever. the place burned down because she wasn't properly looking after a 5 year old who was playing with a lighter (if indeed that is what happened - i can only go by what is in the article).