I'm sorry, but I think it's a "scam"!
There are a lot of different reasons why you would get a check from your insurance company, and they would definately notify you if they are going to cancel your policy. If you notice, you cannot see the "reason" for the check in his photo.
Besides, if his house burned down, I doubt he would STILL be bidding on eBay.
Look at this auction he just put a bid on TWO days ago...
http://cgi.ebay.com/ebaymotors/ws/eB...tem=2452079821
Rita