Probably not the comparison you want to make. If your door blew open in a strong wind one day and a bunch of CP flew out of it and around town, you probably wouldn't have a choice, no matter how convincing your story of the previous tenant being a sicko was.

If CP were to be compared to virus, then all households would have some.

New virus emerge naturally all the time, the same cannot be said for CP.

Also things can go wrong just due to bad luck. Someone's home caught fire doesn't necessary mean they are committing insurance fraud; majority of them will be genuine accidents.