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Insurance Coverage Q&A: Firefighting Expenses and Coverage

When an insured and tenants help fight the fire, is there coverage for their efforts?

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Insured claims coverage for firefighting labor during the time of active fire which resulted in covered loss to portions of premises. Firefighting labor was performed by insured (commercial property owner) and by tenants (business owners) who were paid for their impromptu and voluntary efforts. Firefighting labor saved the covered property from total destruction, minimized suspension of business, and protected the covered property from further damage.

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