One person dies and three others are injured. what crimes, Ask an Expert

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Joe, the owner of a small hardware store, is desparate need of money to pay off his gambling debts. To obtain the money , he burns down his store and attempts to collect the insurance proceeds. The fire, however, also spreads to he next building, which houses a family. One person dies and three others are injured. What crimes has Joe committed? Is Joe liable civilly, criminally, or both?

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