This article reviews what exactly is considered to be a fire, and several cases dealing with how carriers have handled related claims over the years.
February 08, 2021 at 05:00 AM
Thank you for sharing!
Your article was successfully shared with the contacts you provided.
Updated February 1, 2021
Summary: Although fire insurance has been accepted as a routine form of protection for many generations, “fire” has never been defined in any standard insurance policy insuring against the peril of fire, or in any form or endorsement commonly used with the contract. The same is true of the many other insurance forms that refer to fire in one way or another—in an exclusion, condition, or deductible. Because insurers have not defined the policy language related to this peril, the issue of what types of fire losses are covered and what are not has been developing in court decisions since the early nineteenth century. This article offers a general discussion of the issue. Some of the cases cited in this article are old, but they are still valid law and form the basis upon which today’s acceptance of coverage due to fire loss is anchored.