[upthesaukee]

Liken it to an emergency brake letting loose on a car, or a car jumping out of park on its own, and the car rolls down the hill and hits another car.

You did not intend for it to happen, and you did not do anything to cause it to intentionally happy. It is an accident, and is why you buy insurance.

Your insurance contract has specific examples of coverage, mainly because that contract is not written for us, the policyholders, to read and understand, but rather to try to eliminate ambiguity between lawyers and the courts.

If you had this situation happen, and damage occurred, submit it to the insurance company and let them handle it. You probably will not hear anymore after they complete their initial investigation, except to want proof you corrected the problem.