Erica lived 4 houses down the street from Brad. On December 15th there was an explosion at Brad's house. The resulting fire totally destroyed Brad's house and spread to Erica's house when a spark from the explosion landed in a pile of firewood stacked next to Erica's family room. The Fire Department managed to extinguish the fire at Erica's house with minor damage to the exterior. However, the force of the water from the fire hose broke Erica's family room windows, which resulted in significant water damage to the interior of the house. Erica had neglected to place insurance on her house. The Fire Marshall subsequently inspected the scene and has determined the following: 1. Natural had "leaked" from an improperly installed furnace valve in Brad's house and gas collected in the basement. 2. The Ontario Building Code requires that all fumaces be installed by a licensed gas fitter. The furnace was installed by Patrick who worked for A-1 Furmaces Limited on December 1. Patrick had taken and passed all required courses to become a licensed gas fitter, but did not pay the fee to the Gas Fitter's Association for the issuance of a license. 3. The Building Department of the City of St. Catharines had not completed a final inspection of the installation of the furnace. Although Brad had requested the inspection, the building inspector indicated their department was very busy and that they would contact him some time in January to arrange a time for the inspection. 4. The City's bylaw prohibited the storage of firewood adjacent to dwellings to prevent problems with rodents. Erica was not aware of the bylaw. 5. Katharine, a firefighter with the City of St. Catharines, had attempted to extinguish the fire in the wood pile by pointing the fire hose directly at the smoking wood pile. As a result of the pressure, the wood scattered, hitting the family room window. Katharine subsequently soaked the inside of the family room to ensure there were no buming embers. The preferred fire fighting technique would have been to direct the water along the side of the house between the house and woodpile to separate the burning wood from the house and therefore avoid any significant damage to the house, 6.