Insurance Terms Hostile Fire

Among those terms and conditions is that the cause of the fire was not arson and that the policy was in force at the time of the occurrence. In insurance law a combustion that cannot be controlled that escapes from where it was initially set and confined or one that was not intended to exist. This specific coverage applies to bodily injury or property damage arising for the heat smoke or fumes from a hostile fire.

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For example a fire set intentionally to burn brush becomes hostile if it spreads to other property.

Insurance terms hostile fire. A hostile fire is one that burns where it was not intended to burn. Definition of hostile fire. The rug by the fireplace. Hostile fire a fire that becomes uncontrollable or expands outside its intended boundaries.

A fire that becomes uncontrollable or expands outside its intended boundaries. Unfriendly fire not confined to its normal habitat. Hostile fire exception hostile fire exception refers to pollution coverage under the commercial general liability cgl insurance policy for your business. The exclusion generally precludes coverage for pollutants at certain premises but contains exceptions including one for bodily injury or property damage arising out of heat smoke or fumes from a hostile fire a hostile fire is defined as one which becomes uncontrollable or breaks out from where it was intended to be but what does that mean.

For example fire in the fireplace leaps onto the sofa. Likewise a fire that becomes much hotter than it is supposed to be or that cannot be extinguished is hostile even if it never spreads from the location where it was intentionally kindled. Property contracts protect against damage from a hostile fire not from damage from fire in the fireplace its normal habitat. A fire which becomes uncontrollable or.

A tree near the outdoor grill. For example a fire set intentionally to burn brush becomes hostile if it spreads to other property. Assuming that your homeowner s insurance policy provides protection for losses caused by fire which most do the results of a hostile fire would be covered by the policy subject to its terms and conditions. Likewise a fire that becomes much hotter than it is supposed to be or that cannot be extinguished is hostile even if it never spreads from the location where it was intentionally kindled.

The insurance is designed to cover fortuitous loss which the hostile fire is. Hostile fire a fire that becomes uncontrollable or expands outside its intended boundaries. A hostile fire differs from a friendly fire which burns in a place where it was intended to burn such as one confined to a fireplace or furnace. The term hostile fire appears in the cgl policy s absolute pollution exclusion.

A fire that occurs outside of its normal confines. Only direct damage caused by hostile fire including smoke from a hostile fire is covered by the fire peril.