Metro

Judge OKs grisly insurance payout

Damage from fallen trees and broken water pipes, maybe — but homeowners’ insurance that covers murderous decapitation?

A Nassau County judge has ruled that MetLife must pay as much as $300,000 for Jacqueline Marshall to defend herself against a negligence lawsuit filed because her mentally ill son, Evan Marshall, then 31, decapitated and dismembered her neighbor.

“Since the insured here . . . obviously did not expect and could not foresee her son murdering [her neighbor], that act was, in fact, an ‘accident’ from her point of view” — and thus, must be covered, Nassau County Supreme Court Justice Randy Sue Marber wrote.

The decision comes nearly four years after Marshall — on furlough from an upstate psychiatric facility — brutally chopped up former Glen Cove teacher Denice Fox, 57, and then drove around Long Island with her severed head in his car. He’s serving a 30-year prison term.

The victim’s husband, Jay Fox, and two children filed suit against Jacqueline Marshall in 2008, claiming that she knew of her son’s twisted propensity for violence but failed to warn neighbors that he was home.