Insurance against fire.

Not every fire can be considered a fire, because There is a fire in the applicable processes, and fire can be no open flame.

Fire – is a process of combustion in not intended for this site, which can occur without the formation of the flame (putrefaction).

Fire insurance reimburses damage associated with loss of substance of the object insured in a fire, as well as other damages resulting from fire, demolition and clearance. Lightning strike and explosion are included in fire insurance coverage. Number of risks against which the property insured under the fire insurance, there are three types of insurance contracts:

1. net fire insurance;

2. comprehensive insurance against fire and other hazards (Russia);

3. insurance “against all risks”, which includes fire insurance (USA, Canada, Japan);

usually offered to policyholders combined policy, which along with fire risks has a number of risks:

- Natural disasters (earthquakes, storms, landslides, precipitation, disaster sanitation, plumbing, heating systems, flooding, infiltration of water from adjacent premises, land subsidence, the emission of gas, etc.);

- Damages from acts of third parties.

A set of insurance risks may be extended upon agreement of the parties. At the conclusion of the insurance contract must also figure out what the risks are not subject to insurance reimbursement, in particular, to exclude damages that are caused by:

- Intent or gross negligence of the insured, the beneficiary or their representatives;

- Violation of the rules of fire safety, storage, or use of certain types of property;

- War or civil strife;

- Natural process of spontaneous combustion, deterioration, fermentation products as a result of improper storage.

In any case, are not reimbursed indirect losses caused by the insured event (ex: theft of property during and after the accident).

The insurance contract is issued separately for real estate and other assets, as of the insured risks are substantially different in property insurance should be borne in mind that insurance does not cover:

- Strange things in the lease, in storage or commission;

- Documents, cash, securities;

- Precious metals in bullion, precious stones without frames;

- Works of art and antiques;

- Manuscripts, plans, drawings, samples and layouts.

All these types of property are insured separately for a special policy.

The contract of property insurance generally is for 1 year. Property may be insured in whole or its individual parts.

There are kinds of property insurance against fire and other risks:

1. insurance of household goods and residential buildings;

2. industrial fire insurance;

3. agricultural insurance against fire;

4. fire insurance unfinished buildings.