Insured sustained a leak in their refrigerator supply line. Insured explored the leak and pulled up the flooring around the leak. The flooring mastic contained asbestos. The insured, after exposing the mastic, continued living in the home for weeks, using the floor and walking over the mastic. Testing of the home has been done, which now has asbestos contamination throughout the home. A recommendation exists to pack out entire house and decontaminate the structure in its entirety.

 It appears the insureds actions, and lack of action, contributed to the extent of the loss.

 Do the actions of the insured give rise to a subsequent loss, or should the asbestos contamination be attached to the refrigerator leak?