{"id":194,"date":"2019-07-08T12:26:09","date_gmt":"2019-07-08T06:56:09","guid":{"rendered":"https:\/\/aktassociates.com\/blog\/?p=194"},"modified":"2019-08-24T16:40:43","modified_gmt":"2019-08-24T11:10:43","slug":"fire-insurance","status":"publish","type":"post","link":"https:\/\/aktassociates.com\/blog\/fire-insurance\/","title":{"rendered":"What You Should Know About Fire Insurance?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >In this article, we will discuss about...<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #1e73be;color:#1e73be\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #1e73be;color:#1e73be\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#What_is_fire_insurance_and_how_it_works\" title=\"What is fire insurance and how it works?\">What is fire insurance and how it works?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#What_fire_insurance_covers\" title=\"What fire insurance covers?\">What fire insurance covers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#What_are_the_exclusions_which_fire_insurance_does_not_cover\" title=\"What are the exclusions which fire insurance does not cover?\">What are the exclusions which fire insurance does not cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#What_are_the_types_of_fire_policies_which_one_is_suitable_for_you\" title=\"What are the types of fire policies &amp; which one is suitable for you?\">What are the types of fire policies &amp; which one is suitable for you?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#What_is_the_claim_process_for_fire_insurance\" title=\"What is the claim process for fire insurance?\">What is the claim process for fire insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#Advantages_of_fire_insurance\" title=\"Advantages of fire insurance?\">Advantages of fire insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#Why_fire_insurance_policies_are_different_and_why_you_need_an_experts_advice_to_select_the_right_one_for_you\" title=\"Why fire insurance policies are different and why you need an expert\u2019s advice to select the right one for you?\">Why fire insurance policies are different and why you need an expert\u2019s advice to select the right one for you?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_fire_insurance_and_how_it_works\"><\/span><b>What is fire insurance and how it works?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Fire insurance is an insurance policy that protects the losses or damages caused by a fire outbreak to the property and assets. It is constructed and designed to cover the costs of replacement and repair, which is not covered by a general property insurance policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let us understand how fire insurance works. <\/span><span style=\"font-weight: 400;\">Fire insurance takes into its ambit the damages or losses done to building infrastructure itself or to the nearby structures thus compensating for the expenses attached with not being able to put the damaged property to use and also the losses of profit on the day of displacement.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-602 aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2019\/06\/Fire-Insurance.jpg\" alt=\"Fire Insurance\" width=\"700\" height=\"400\" srcset=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2019\/06\/Fire-Insurance.jpg 700w, https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2019\/06\/Fire-Insurance-300x171.jpg 300w, https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2019\/06\/Fire-Insurance-20x11.jpg 20w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_fire_insurance_covers\"><\/span><b>What fire insurance <\/b><b>covers<\/b><b>?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The fire insurances cover<\/span><span style=\"font-weight: 400;\">\u00a0the following incidents that may cause an outbreak of fire resulting in damage of property:-<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fire outbreak<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Lightening<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Explosion<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage to Aircraft<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Strike, riot<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Hurricane, storm, flood<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Landslide, rock slide<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bush fire<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_exclusions_which_fire_insurance_does_not_cover\"><\/span><b>What are the exclusions which fire insurance does not cover<\/b><b>?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>\u00a0<\/b><span style=\"font-weight: 400;\">Fire insurance does not cover the following incident leading to loss of the property:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage of property due to war\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage of property due to civil war<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage of goods or property by the change in temperature or inability to maintain the temperature\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage is done due to electrical risks (conditions apply)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pollution induced contamination or damage\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_types_of_fire_policies_which_one_is_suitable_for_you\"><\/span><b>What are the types of fire policies &amp; which one is suitable for you?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are many types of fire insurance policies. We will talk about different types of policies and their important aspects here<\/span><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Floating Policy:-<\/b><span style=\"font-weight: 400;\">\u00a0In this policy, the loss by fire caused to the property is of the same person but of the different places under one sum and one premium policy. Basically, it is designed for the ones who have different warehouses at different places, so he may not have to take different fire insurances for each different warehouse.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Specific Policy:-<\/b><span style=\"font-weight: 400;\">\u00a0It basically covers loss up to some specified and agreed amount which may be less than the real value of a property.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Comprehensive Policy:-<\/b><span style=\"font-weight: 400;\">\u00a0It basically covers comprehensively every risk like fire, theft, burglary, third-party risks, and may also take into its ambit risks of loss of profit during the period for which business comes to halt due to fire.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Valued Policy:-<\/b><span style=\"font-weight: 400;\">\u00a0It is quite unconventional policy since it basically covers the amount of compensation which is recoverable at the incidence of loss by fire and the amount is already fixed during the signing of the insurance agreement. In it, the amount for which insurer compensates is already fixed and is irrespective of the amount of actual loss by fire.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_claim_process_for_fire_insurance\"><\/span><b>What is the claim process for fire insurance?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">For getting the claim, first of all, the insurance company is to be informed as soon as possible after the incident. It can be done by online process or telephonic conversation. A surveyor will be hired by the insuring firm. The fire department should be intimated about the incident. Surveyor will investigate the incident and settle the claim<\/span><span style=\"font-weight: 400;\"> process.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Advantages_of_fire_insurance\"><\/span><b>Advantages of fire insurance<\/b><b>?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Advantages of fire insurances are too many to be counted out of which some are listed below:<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">It keeps you tension free about your asset and its safety;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">In case of damage the insurance money neutralize all your losses and provides you interim relief;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">It also compensates you for the loss of profit during business shut down and displacement thus minimizing your loss and help you to bring back your business to normal.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Why_fire_insurance_policies_are_different_and_why_you_need_an_experts_advice_to_select_the_right_one_for_you\"><\/span><b>Why fire insurance policies are different and why you need an expert\u2019s advice to select the right one for you?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">All these fire insurance policies have different clauses and the safeguard you from different forms of damages caused by fire like:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">It might not immune you from the damage caused by high temperature but only by actual fire;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">It might state that the cause of a loss should solely be fire and no other event other than fire should have taken place (Now, how is that possible always? so paying the insurance premium for such policy will be a waste);<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">These policies are supposed to be very careful because they might contain clauses like receipts of all the lost product should be shown for claiming insurance claim (How will I get the receipts of all those products and what if they too were lost in a fire?);<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">It might state terms like a fire should not be intentional but accidental and if it will be intentional no claim shall be paid.<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is fire insurance and how it works? Fire insurance is an insurance policy that protects the losses or damages &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What You Should Know About Fire Insurance?\" class=\"read-more button\" href=\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#more-194\">Read more<span class=\"screen-reader-text\">What You Should Know About Fire Insurance?<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":351,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fire Insurance: Coverage, Claim &amp; Exclusions in India |\u00a0AKT Associates<\/title>\n<meta name=\"description\" content=\"Read to understand everything about\u00a0fire insurance, including its types, eligibility criteria,\u00a0coverage, claim process and exclusions. A\u00a0fire insurance policy\u00a0provide protection to your business from sudden setbacks and losses due to fire and covers all properties\u2014 moveable or immovable during a specified period and up to agreed amount.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aktassociates.com\/blog\/fire-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fire Insurance: Coverage, Claim &amp; Exclusions in India |\u00a0AKT Associates\" \/>\n<meta property=\"og:description\" content=\"Read to understand everything about\u00a0fire insurance, including its types, eligibility criteria,\u00a0coverage, claim process and exclusions. A\u00a0fire insurance policy\u00a0provide protection to your business from sudden setbacks and losses due to fire and covers all properties\u2014 moveable or immovable during a specified period and up to agreed amount.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/aktassociates.com\/blog\/fire-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"AKT Associates\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-08T06:56:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-08-24T11:10:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2019\/06\/fire-insurance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"CA Arun Tiwari\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"CA Arun Tiwari\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/aktassociates.com\/blog\/fire-insurance\/\"},\"author\":{\"name\":\"CA Arun Tiwari\",\"@id\":\"https:\/\/aktassociates.com\/blog\/#\/schema\/person\/27565c59ca4857ec78a645bd21dca21d\"},\"headline\":\"What You Should Know About Fire Insurance?\",\"datePublished\":\"2019-07-08T06:56:09+00:00\",\"dateModified\":\"2019-08-24T11:10:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/aktassociates.com\/blog\/fire-insurance\/\"},\"wordCount\":758,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/aktassociates.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2019\/06\/fire-insurance.jpg\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/aktassociates.com\/blog\/fire-insurance\/\",\"url\":\"https:\/\/aktassociates.com\/blog\/fire-insurance\/\",\"name\":\"Fire Insurance: Coverage, Claim & Exclusions in India |\u00a0AKT Associates\",\"isPartOf\":{\"@id\":\"https:\/\/aktassociates.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/aktassociates.com\/blog\/fire-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2019\/06\/fire-insurance.jpg\",\"datePublished\":\"2019-07-08T06:56:09+00:00\",\"dateModified\":\"2019-08-24T11:10:43+00:00\",\"description\":\"Read to understand everything about\u00a0fire insurance, including its types, eligibility criteria,\u00a0coverage, claim process and exclusions. 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