yeah, that's not covered.....

Houston Chronicle - 12/17/08

In November, the Great American Insurance Co. (Cincinnati, Ohio) sought a declaration in federal court in Houston that it was not liable to pay death benefits from a 2007 office fire because the three victims did not die from "fire." The company pointed to an exclusion in the policy for death by pollution" (thought by most people to cover only toxic industrial discharges) and argued that the three victims were actually asphyxiated by smoke, which is "air pollution."