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If you are cooking with flour and let a cloud of it fill the air above the stove, poof, the flour dust could suddenly turn into a shower of flames. Flour is flammable and particles may ignite to create a fireball, says Guy Colonna, a division manager for the industrial and chemical engineering department of the The National Fire Protection Agency (NFPA). While technically not an explosion, this type of violent combustion can be frightening and dangerous.
"There have been circumstances where people have created short-lived fireballs that can scorch the ceiling or cause other problems, in terms of spreading the fire," Colonna says.
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He won’t be able to transfer the existing policy to you. You’ll need to buy your own home insurance policy. You could call up the same company he uses to get a quote, but this is a good time to shop around to compare prices among insurers...
Sounds like you’ve put the cart before the horse here. You need to have an insurance policy in effect at the time of the damage or injury in order to have the claim paid...