These losses are not included in the insurance cover provided by the regular fire insurance policy, but can be covered either by separate documents or by appendices to the regular policy with additional premiums paid in return.ġ. They are losses that do not affect the original subject of the risk, but they result from the occurrence of the fire and affect the financial position of the owner of the subject subject of the risk, as well as civil liability towards others as a result of the fire. We find that it is the ordinary fire insurance policy that covers direct losses of both natural and inevitable types Theft losses during the fire, and provided that the stolen things have gone out of the insured’s possession and supervision. Property losses due to exposure to weather factors such as rain.Īnd. The material losses resulting from the transfer of property from one place of the fire to another place for storage.Į. Physical losses resulting from firefighters’ attempts to limit the spread of the fire, such as demolishing some walls or throwing some movables outside the burning property to reduce the intensity of the fire.Ĭ. Material losses to property due to the extinguishing water and the chemicals used in the extinguishing process.ī. They are the losses that are necessary to reduce fire losses and prevent their spread and try to limit the spread of the fire and include:Ī.
Physical losses resulting from the collapse of walls and ceilings as a result of fire. Physical losses due to smoke from the fire or the heat generated from the fire.Ĭ. Physical losses to the original subject matter of the insurance as a result of the fire.ī. They are the losses that arise as a result of heat or flame from the fire and include:Ī. They are the losses resulting directly from the fire, and they cause the asset at risk of fire and lead to a decrease in its value or its death.
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