When does bad luck become a curse? When you pay two claims for fire damage caused by the same person, thinks Backchat.

One unlucky insurer paid a claim for a building which burnt down after a contractor had left a welding torch on when he popped out for a bite to eat at lunch-time.

A teeny bit careless you might think. But pity the poor insurer that had to pay a second claim for an almost completed roof, which was accidentally burnt down by the same contractor.

Backchat somehow doubts the insurer would be tempted to see if the third time would really be a charm.