>Nobody from the insurance company is going around checking to see if people's houses are 15.5 degrees so they can cancel their policies. No of course they won

>Nobody from the insurance company is going around checking to see if people's houses are 15.5 degrees so they can cancel their policies. No of course they won't. That would be giving up good money. Instead when you make a claim they'll reject it on some basis around the property not being kept at 16c.