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Fire Insurance is coverage against loss by fire and/or lightning.

It may
include coverage against loss by windstorm or earthquake and other allied
risks, when such risks are covered by extension to fire insurance policies or
under separate policies.
Allied Perils
RIOT and CIVIL COMMOTION.
Damage by riot or civil commotion or caused maliciously by
strikers or persons acting in connection with political
organizations can be covered for a small premium in Great
Britain; in Ireland such cover is not freely granted. "Riot" is a term
which has been judicially defined, and, where the requisite
elements are present, a person whose property is damaged may,
on claiming within fourteen days of the damage, recover
compensation from the local police authority. Damage of this kind
has been negligible in this country for many years, though the
position is very different in more turbulent territories abroad. War
damage is never covered by insurers under fire policies. For a
situation to be classified as a riot five elements have to be shown,
that is
-there must be three people present
-there be a common purpose lawful or unlawful
-there must be execution, or inception, of the common purpose
-they must intend mutually to assist one another, by force if
necessary, in the execution of the common purpose
-there must be force of violence displayed in such a manner as to
alarm at least one person of reasonable firmness and courage.
Where the riot peril is in force the circumstance in which it applies
become slightly reduced but some damage which may have
previously been recoverable as riot may fall under another peril
such as a fire, explosion, thus making the cover slightly wider.
Explosion
Explosion is, briefly, the sudden release of pent-up pressure with
the force of concussion. The standard fire policy includes fire
resulting from explosion, and the explosion of domestic boilers or

of gas used for lighting or heating the building. Damage caused


by the bursting of boilers and steam pressure vessels normally
forms the subject of an engineering insurance, as boilers require
not only insurance but periodical inspection to ensure that they
are and remain safe. For certain types of property such as offices,
churches, schools, and municipal buildings, explosion cover is
normally obtainable free of charge. For industrial risks, an extra
premium is, as a rule, payable.
AIRCRAFT and ARTICLES DROPPED THERE FROM.
Damage by fire caused by aircraft or articles dropped there from
is covered by the standard fire policy, but a great deal of damage
may be caused by the fall of an aircraft without the intervention
of fire. Insurance can be obtained against such damage, and the
insurance will include damage that can be shown to be directly
attributable to sonic booms where an aircraft breaks the sound
barrier.The standard fire cover covers fire whether proximately
caused by an aircraft crash or not, and therefore the aircraft crash
or not, and therefore the aircraft extension is concerned solely
with damage other than by fire.
STORM, TEMPEST, and FLOOD.
The word storm is used in its everyday sense and denotes some
form of atmospheric disturbance. It is the abnormal conditions
where the word storm is appropriate. Storm and tempest
insurance is easily obtainable; flood insurance less easily. The risk
of damage to a building by storm and tempest does not differ
enormously from one building to another in this country, whereas
flood insurance is likely to be sought only by proposers whose
property, from its situation, is in jeopardy.
Impact damage.

Another special peril is that of damage to property by impact with


the vehicles, horses, and cattle of a third party. The premium is
low, as it is often (though not always) possible for the insurers to
recover the cost of such damage from the negligent third party.

ARCHITECTS, SURVEYORS AND CONSULTING ENGINEER'S FEE (up


to 3% of the claim amount)
"It is hereby declared and understood that the expenses incurred
towards Architects, Surveyors and Consulting Engineers fees
for plans, specification tenders, quantities and services in
connection with the superintendence of the reinstatement for
the
Building, machinery, Accessories and equipment insured under
this policy is covered upto 3% of the adjusted loss, but it is
understood that this does not include any costs in connection with
the preparation of the Insured's claim or estimate of loss in the
event of damage by insured perils".
ARCHITECTS, SURVEYORS AND CONSULTING ENGINEER'S FEES (in
excess of 3% of the claim amount)
It is hereby declared and understood that the expenses incurred
towards Architects, Surveyors and Consulting Engineers fees
for plans, specification tenders, quantities and services in
connection with the superintendence of the reinstatement for
the
Building, Machinery, Accessories and equipment insured under
this Policy up to 7.5% of the adjusted lossis covered, but it is
understood that this does not include any cost in connection with
the preparation of the Insured's claim or estimate of loss in the

event of damage by the insured perils. LOCAL AUTHORITIES


CLAUSE
(Applicable only with insurances on Reinstatement Value)
2.44.1 The insurance by this Policy extends to include such
additional cost of reinstatement of the destroyed or damaged
property
hereby insured as may be incurred solely by reason of the
necessity to comply with the Building or other Regulations under
or
framed in pursuance of any act of Parliament or withBye-laws of
any Municipal or Local authority provided that:
2.44.1.1 The amount recoverable under this extension shall not
include :
a) in respect of destruction or damage occurring prior to the
granting of this extension in respect of destruction or
damage not insured by the Policy under which notice has been
served upon the Insured prior to the happening of the
destruction of damage, in respect of undamaged property or
undamaged portions of property other than foundations
(unless foundations are specifically excluded from the
insurance by this Policy) of that portion of the property
destroyed or damaged, the cost incurred in complying with any of
the aforesaid Regulations or Bye-laws