Most Important Clauses of Fire Insurance

In addition to the standard fire insurance policy, which covers losses from unintentional fire, there are several other coverage options, such as coverage against damage brought on by riots, strikes, and atmospheric disturbances (rain, floods, hurricanes, etc.)

Insurance policy covering against fire:

Fire insurance coverage includes earthquake insurance as well as dangers including fire, lightning, burglary, and homes, factories, and offices. Further, we highlight some important clauses of fire insurance that are given below:

Earthquake and Volcano Eruption fire insurance Clause

According to the General Terms and Conditions, fire insurance shall not be affected by the following:

All types of damages, including those caused directly or indirectly by earthquakes, tsunamis, or volcanic eruptions, as well as foundations and retaining walls, must be covered by insurance.

Flood or Torrent fire insurance Clause

According to the General Terms and Conditions fire insurance shall not be affected by the following:

Any harm directly resulting from:

1. Flood of canals, streams, rivers, and brooks

2. The water become stormy for causes other than the tide and tsunami

3. Outside water entering the vicinity of insured objects as a result of a flood or torrent brought on by exceptionally heavy rain.

4. As a result of the unusually heavy rain, waste water is retreating from the sewage system and the cesspool.

Storm fire insurance Clause

Without limiting the provisions of the General Terms and Conditions of Fire Insurance:

Any damages to the insured property brought on solely by a storm, including any rain, snow, or hail, as well as the bumping of objects flung about by the wind during such a storm, shall be covered.

Smoke fire insurance Clause:

Without limiting the provisions of the General Terms and Conditions of Fire Insurance:

Any damages on the insured objects caused directly by the smoke caused by the solely sudden, extraordinary, or faulty operation of heating and cooking appliances connected to the chimney via a pipe or culvert shall be covered.

Strike, Lock-out, Civil Commotions, and Public Disorder fire insurance Clause

Regarding the General Terms and Conditions of Fire Insurance, but without limiting their provisions:

Whether or not fires are subsequently started, any damages to the insured objects resulting from incidents that occur during strikes, lockouts, labor disputes, civil commotions, or public disorders, as well as any interventions made by relevant authorities to prevent or lessen the aforementioned incidents, shall be covered by the policy.

Malicious Acts fire insurance Clause

Without limiting the provisions of the General Terms and Conditions of Fire Insurance:

Except for fire and explosion, all damages to the insured property that are caused by one person's intentional wrong doing and are unrelated to any of the events listed in the strike, lockout, or public disorder exclusion clause as well as any actions taken by the appropriate authorities to prevent or lessen the abovementioned events are covered by policy.

Terror fire insurance Clause

As long as certain clauses in the Fire Insurance General Conditions remain in effect:

The fight against them that has been carried out by authorized bodies to prevent or lessen the effects of these actions is included in the cover, as are the damages that occur in insured things because of terror actions specified in the Law on Fighting against Terror and damage that is caused by these actions and as a result of the fights against them that are arisen from these actions.

Weight of Snow fir insurance Clause

Regarding the General Terms and Conditions of Fire Insurance, but without limiting their provisions:

1. Direct damages to the insured structure and its content caused by snow and ice accumulation on the roof, the weight of the snow or ice, sliding and/or falling, or other causes.

2. The coverage must include losses to the building's insured contents that result from dampness from snow, hail, or rain as well as damage to the roof caused by the weight of snow.

Land Slide fire insurance Clause

Regarding the General Terms and Conditions of Fire Insurance, but without limiting their provisions:

Included in the coverage any losses resulting from land-slides, soil collapses, floods, or torrents that directly affect the plot of land on which the insured building is built or the area around it.

Land Vehicles fire insurance Clause

The terms of the General Terms and Conditions of Fire Insurance shall not be affected by the following:

Direct damages that result from motorized and non-motorized land vehicles colliding with insured objects must be covered by insurance.

Air Vehicle Fire Insurance Clause

Despite the General Terms and Conditions of Fire Insurance's provisions:

Damages that are directly caused by an airplane crashing with another air vehicle, by one of those objects falling from the other vehicle, or by any of those things colliding with or crashing into an airplane or another air vehicle must be covered by the insurance.