The Fire Extinguisher

My parents bought their flat as an investment to later buy a house. Unbeknownst to me, my dad had been paying into a little home insurance fund. When it came to collecting on the money, both of them agreed to just tell the investigator that it had been a faulty set of Christmas lights. The claims adjuster was told by the fire service that it probably was just an electrical fault. Allowing my parents to get onto the property ladder to buy the house that I'd spent the rest of my childhood in.