Did the Insurer Really Need to go to War?

Man walks into his basement and discovers an unexploded bomb.  This isn’t the beginnings of a joke, but the treatment by his insurers of his subsequent plight would be a laughing matter, if it were not so serious.  The case of Exeter University’s experience with a dormant WWII ‘Herman bomb’ is worthy of careful examination in the light of modern insurance practice. It is only by good fortune that an undiscovered, unexploded bomb has not destroyed a private home in circumstances similar to this case. It is important for the insurance industry’s position on this ordinarily foreseeable risk hazard to be made clear to the insuring public.