Insurance Terms Hostile Fire
Only direct damage caused by hostile fire including smoke from a hostile fire is covered by the fire peril.
Insurance terms hostile fire. For example a fire set intentionally to burn brush becomes hostile if it spreads to other property. Definition of hostile fire. Property contracts protect against damage from a hostile fire not from damage from fire in the fireplace its normal habitat. A fire that becomes uncontrollable or expands outside its intended boundaries.
A tree near the outdoor grill. 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. This specific coverage applies to bodily injury or property damage arising for the heat smoke or fumes from a hostile fire.
Unfriendly fire not confined to its normal habitat. The term hostile fire appears in the cgl policy s absolute pollution exclusion. Hostile fire a fire that becomes uncontrollable or expands outside its intended boundaries. A fire that occurs outside of its normal confines.
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. The rug by the fireplace. Hostile fire exception hostile fire exception refers to pollution coverage under the commercial general liability cgl insurance policy for your business. A fire which becomes uncontrollable or.
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. Hostile fire a fire that becomes uncontrollable or expands outside its intended boundaries. 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. 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.
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 insurance is designed to cover fortuitous loss which the hostile fire is.
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