Hostile Covered

Fire

Friendly Not Covered

Excepted Not Covered

Lightning

Not Excepted Covered

Less than Minimum

Not Covered
Velocity
Windstorm

More than Minimum

Covered
Velocity

Risks and Losses

Covered Expressly Made Covered

Earthquake
Insurer Excluded from
Implicitly Made
Apportionment of the Policy
Losses between
Insured Other Allied Risks
Co-Insurance Increases the Risk Policy is Rescissible

Within Insured's
Control
Does not Increase the
Policy is not Rescissible
Without Insurer's Risk
Amount of Insurance /
Value of Property x Consent
Computation
Amount of Loss =
Without Insured's
Amount Payable Policy is not Rescissible
Control
Prior to the Execution Limited by the Policy

Increases the Risk Policy is Rescissible

Breach If cause is stipulated With Insurer's Consent

Express
Fire Effect of Alteration
Does not Increase the
Policy is not Rescissible
Risk
No Breach
If cause is not Insurance
stipulated
Warranty

Violates the Policy Policy is Rescissible

Incidental to the
Not void
Business Subsequent to the
Implied Execution
Does not violate the
Policy is not Rescissible
Not Incidental to the Policy
Void Even if the Risk
Business
Increases and is the
Risk of Loss

Appraiser fixes Based on the Value of

Barred from Recovery Damage due to War the value the Property
Valued Policy
War and Related Risks
Purely Ordinary and Option to Rebuild Based on the Damages
Can be Recovered
Accidental
Exceptions
Based on the Value at
Open Policy
Established with the time of Fire
Barred from Recovery
Sufficient Evidence Measure of Indemnity
Intentional Act
Based on the Net Profits
Business Interruption
Can be Recovered Insufficient Evidence that could have been
Insurance
Realized

Indirect Losses Extra Expense Based on Extraordinary

Insurance Expenses

Based on Loss of Rental

Rent Insurance
Income