Question: Bowes and others, trustees of a church, sued the company that had insured the church when a fire damaged the building. The insurance company refused to pay for the loss, claiming that the fire was not a "hostile fire" and was therefore not covered under the policy. There was testimony that some heating units overheated and the resulting flames were so great that they caused a waffle unit to burn, resulting in smoke and soot damage. Was the insurance company correct in refusing to pay for the loss? (Bowes v. Insurance Co., 26 N.C. App. 234)