Fire Insurance




Fire insurance documents vary in conditions, exceptions and wording from country to country and from time to time. Therefore, we will not refer to a specific document but we refer to the principles of fire insurance. 

The purpose of the fire insurance policy is to compensate the insured for material damage The fire or thunderbolt shall be the cause of the material damage. The cause of the fire shall not be an excluded cause. The liability of the insured shall be limited by a specified amount in the document called Mabel Insurance

Lightning


Lightning is an air discharge that causes a very brief flash of light that may occur on the property, causing a fire. The lightning may fall on the property and do not ignite. However, the fire document covers the material damage caused by lightning, whether lightning is accompanied by fire or not accompanied by fire. If the document is not mentioned otherwise, the thunderbolt may sometimes be the cause of the death of the cattle. A certificate must be obtained from a veterinarian explaining the cause of death.

The following elements must be available for the fire to be covered by insurance

1) Actual ignition of the insured thing must occur

2) The burning of cotton, the goods and the furniture of the house is an example of something that burns. It is not normal to expect the burning of coal and fuel in the stoves or inside the places designated for burning. It is an example of something that burns and is normal to burn.

3) With respect to the insured, the fire must be sudden and accidental (unintentional). If the insured intentionally ignites the fire or if the third party conspires with him to deliberately ignite the fire, the insurance company is exempted from paying compensation because the loss is intentional loss

The insurance company shall not exempt from liability the fire caused by the negligence of the insured or those in his service or his subordinates or third parties

Real ignition ignition


The fire shall not be compensated for the damage caused to the objects insured because of the exposure to heating or during the presence in the drying chambers or during the stages of manufacturing that require the use of fire Or heat, however, the insurance guarantees fire damage to these things if the fire extends from these things to other things in the sense that the fire is intended to cause the fire is the fire that does not occur inside the ovens or fireplaces This fire friendly (friendly or useful) friendly fire in place Natural N), unless it exits its natural place and extends to the things that are insured and becomes a hostile fire and becomes a fire because it is outside its own limits (furnace or fire pot)

The courts have adopted the concept of friendly fire and hostile fire in insurance cases. The friendly fire has been defined as fire that burns and remains in its usual places such as furnaces, stoves and drying rooms. Its purpose is to heat, cook, manufacture or use the usual daily use. Expected and unintended in an unintended place can not be their usual place or when they leak out of their usual place

And the fire that leaks from its usual place (of its own vessels) is not a problem where the insurance company is obliged to pay the claim, but the problems lie in cases involving fire without the leak of fire from the vessels if the fire remained in place and did not leak out of place The fire is a friendly fire so the material damage caused by heating, drying, fumes or smoke can not be recovered from the insurance company, even if the fire is excessive. If the fire destroys its container and leaks, the material damage can not be recovered. Of the things that leaked to the fire

Therefore, the insurance company is not responsible for the smoke generated by the fire of heating, cooking or industry if caused damage to the insured things or the activity of the thing to be near this fire useful because there is no real ignition of these things only if the fire moved from the advantage of its natural place or spark For example, suppose a lady hid her jewelry under charcoal in the grill or stove to defraud the burglars if they stormed the house during her absence. When she returned home she forgot her jewelry and lit the charcoal for the grill. The loss did not fall within the scope of the document because the fire did not come out of place. Natural to go to the property and the property has been put in place must be where the fire is not the property

irect physical loss


The following are examples of direct physical losses (loss or damage) called direct results of fire because the fire is the proximate cause and is covered by insurance despite the fact that these damages were not mentioned in the document:


  • Damage to smoke and fire.
  • Damage to water used in firefighting
  • The property is damaged by firemen while trying to prevent the fire from spreading
  • Property is damaged by the Insured while attempting to prevent the fire.
  • Damage to property during transportation from fire place
  • Theft during fire accident (this item is excluded from the fire document)
  • Buildings collapse due to fire.

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