<prompt> Human: All fireworks are illegal in our city. Last night on the 4th of July, some neighbors fireworks caught our fence and and part of the house on fire. We do not know who it was and therefore cant go after anyone.My parents do not want to file a claim with our insurance because they had dried branches from the garden stacked near the house, plus a container of gasoline for the lawn mower. Theyre afraid this makes the fire their fault.Im not sure how all of this looks in the eyes of the insurance company. Looking for advice to pass along to my parents... should they file a claim or not? They have never filed a claim in the past.  <response>: Since fireworks are illegal in your city, you have a reasonable expectation that people arent going to be setting off fireworks. Therefore there is no way that a fire which started because of illegal fireworks was your fault just because you had dried branches and a container of gasoline nearby. The dried branches and gasoline are not illegal. The fireworks are. 