(a) Roger owns a house from which he runs a restaurant and guesthouse. He insures this property against "all risks". Explain whether or not the insurer will be liable on the insurance contract in the instances below. You must also in each instance provide a reason for your answer. You may further assume that the insurance contract itself does not contain any express term which has a bearing on the issue: (i) while preparing breakfast for guests, Roger negligently causes a fire which damages his kitchen and half of the guest rooms; (2) (ii) to obtain the insurance money, Roger intentionally causes a fire which destroys the premises completely; (2) (iii) on receipt of an exorbitant bill for a weekend stay at the guesthouse, one of the guests, Petronella starts a fire which destroys the premises. (2) (iv) the premises is damaged when it collapses as a result of the bad quality of the cement used in its initial construction; and (2) (v) lightning causes a fire which damages the premises and the insurer's subsequent investigations reveal that Roger was unlawfully distilling brandy in the restaurant. (2)