Morticia has a new flame thrower. Uncle Fester tries to light Gomez' cigar with it, but hits the Bear behind him and burns it to ashes. They make a claim to Double Indemnity, their insurance company. Manager Mr. Henson is infuriated because his clerk, Joe Digby, had forgotten to cancel the Family's coverage. Digby visits the house to adjust the claim, but flees when he sees Kitty Kat. Digby is in a quandary as Gomez wants the bear replaced, but he can't find one big enough. Mr. Henson asks the family to re-enact the accident, so Fester comes down the fireman's pole and tries to light a cigar in Henson's mouth. Henson fires Mr. Digby and tears up the policy.