imageanchor="1"
style="margin-left: 1em; margin-right: 1em;"
>
border="0"
data-original-height="493"
data-original-width="740"
height="426"
src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjICIx-j3w-CNiMVWw-fV6yg0C4kC1tb7yOO1xyhKarwhWQXkeHXPR82ufrXuc9X8wTTM-F8gMrJJfJFdr8C4NJurCngsaOqQrf5AfKJrU2x_XOEDdKJSC3UhthF8ncsaGakhMbGTUI-FiyjfZ4Az2xYyGAmsqpOS-d1I49--EfEZXkbvsksLJ9Gf_Iw/w640-h426/Types%20of%20fire%20insurance%20policies%20in%20America.webp"
title="Types of fire insurance policies in America"
width="640"
/>
>
>Fire is every apparent ignition accompanied by flame and heat and arises
involuntarily on the part of the risk owner and results in financial loss.
From this definition, we find that there are some conditions that must be
met in the fire in order for it to be considered a fire in the insurance
sense. We explain all the information in the following lines. >
> >
>Types of fire insurance policies in America >
>In the following lines, we will mention the types of fire insurance
policies in America: >
> >
>Friendly fire >
>It is the fire that is used regularly and within the limits set for it, and
individuals ignite it themselves, and for example: the tar that is used in
homes for cooking and heating, or the one that is used in some factories to
complete some industrial operations, it leads to an increase in the value of
assets and therefore is not considered a fire in the insurance sense. >
> >
>Enemy fire >
>It is the fire that the insured does not deliberately ignite or ignite
deliberately, but it goes out of the space designated for it, which leads to
losses that affect the thing subject of the insurance, and it is considered
a fire in the insurance sense. >
> >
>It may start with a friendly fire and then turn into an enemy fire, as in
the case of igniting a gas stove in homes for the purpose of cooking. In
this case, the fire is considered a fire in the insurance sense. >
> >
> Fire losses >
>Financial losses resulting from a fire accident can be divided into two
main parts: direct losses, and indirect losses. >
> >
>Indirect losses >
>They are losses that do not affect the risky asset, but result from the
occurrence of the fire and affect the financial position of the owner of the
risky asset, as well as civil liability towards others as a result of the
fire. >
> >
>These losses are not included in the insurance cover provided by the normal
fire insurance policy, but can be covered either by separate documents or by
appendices to the normal policy, with additional premiums paid in
return. >
> >
>Learn Fire Insurance in America >
>Non-life insurance based on compensation for fire damage. Fires used in
fire insurance mean (1) that non-combustible items will burn where they
should not burn from normal fire use, and (2) if left unattended, fires may
expand naturally and this refers to combustion satisfying two
conditions. >
> >
>Recently, it is not only fire damage, but also comprehensive insurance
against various perils such as compensation for damages such as theft,
traffic injury, liability, etc. in response to the demands of risk
diversification. He has a strong personality. >
> >
> Fire insurance >
>In principle, it compensates for damage caused by fire, regardless of the
cause, but commercial law provides for natural damage and depletion due to
the inherent nature of the insurance purpose, harmful or dangerous to the
policyholder or the insured. >
> >
>No compensation is required for damages caused by negligence, and damages
due to wars or other disturbances will not be compensated unless otherwise
stated. >
> >
>In addition, in actual contracts, damages from nuclear power, earthquakes,
explosions, etc., which were significant at the time of the disaster and
could not be borne by the private insurance company, are often
excluded. >
> >
>However, in recent years, the scope of these exemptions has shrunk in order
to meet the demands of the times, such as compensation for damages caused by
eruptions that were not guaranteed in the past. In addition to fire
insurance, earthquake insurance and as a result, the company has opened a
way to deal with damages such as burning and collapse caused by earthquakes
and explosions. >
> >
>Fire insurance applies to buildings such as homes, shops, household goods,
products and machinery, such as movable property and real estate. >
> >
>It can also cover indirect damages such as rent that cannot be obtained due
to burning of the building, earnings during vacations, etc. The amount
insured when the damage occurred is the sum insured The value of the
insurance The principle of commercial law is that it is calculated by
multiplying the amount of damage by (the market value of the purpose of
insurance at the time of the loss). >
> >
>This is called the proportional compensation method. According to this, the
sum insured is less than the sum insured. Partial insurance In this case,
the full amount of damage will not be paid, and it is difficult for ordinary
contractors to understand it. >
تعليقات
إرسال تعليق