{"id":519,"date":"2020-10-01T12:42:02","date_gmt":"2020-10-01T12:42:02","guid":{"rendered":"http:\/\/blog.insurancesamadhan.com\/?p=519"},"modified":"2022-09-05T11:04:11","modified_gmt":"2022-09-05T05:34:11","slug":"everything-you-need-to-know-about-fire-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/","title":{"rendered":"Everything You Need to Know About Fire Insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 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\" style=\"cursor:inherit\">Table of Contents<\/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: #999;color:#999\" 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: #999;color:#999\" 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 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/#What_are_the_principles_of_fire_insurance\" >What are the principles of fire insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/#Who_should_take_Fire_Insurance\" >Who should take Fire Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/#What_is_covered_under_Fire_Insurance\" >What is covered under Fire Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/#Which_is_not_covered_under_fire_insurance\" >Which is not covered under fire insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/#Important_Documents_for_Fire_Insurance\" >Important Documents for Fire Insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\r\n<p>Fire Insurance is an insurance contract between an insurer and an insured. It protects you from property damages due to fire and other covered perils.<\/p>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_principles_of_fire_insurance\"><\/span>What are the principles of fire insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\">\r\n<li>Indemnity \u2013 It compensates only to the extent of the actual loss suffered.<\/li>\r\n<li>Proximate cause \u2013 the nearest cause of the damage must be fire or other peril which is covered in fire insurance.<\/li>\r\n<li>Insurable interest &#8211; It arises out of a financial relationship between the policyholder and subject matter (the property which is to be insured). It may arise out of ownership, possession, etc.<\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_should_take_Fire_Insurance\"><\/span>Who should take Fire Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>Any individual, organization, or body having an insurable interest in the property can apply for a fire insurance policy to protect their property against fire and other perils.<\/p>\r\n<ol>\r\n<li>An individual who is an owner of a property should buy fire insurance<\/li>\r\n<li>An organization should buy fire insurance for the building of the organization (if the company has ownership rights of the building)<\/li>\r\n<li>A landlord who is renting his property to someone else can also buy fire insurance for that property as he owns the property and has an insurable interest in it.<\/li>\r\n<\/ol>\r\n<p>Banks prefer to give a loan against an insured property. Therefore, if you are planning to apply for a loan, you should buy a fire insurance policy<\/p>\r\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\r\n<h2><span class=\"ez-toc-section\" id=\"What_is_covered_under_Fire_Insurance\"><\/span>What is covered under Fire Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<ul>\r\n<li>It covers the basic structure and construction cost<\/li>\r\n<li>Electrical installations like Machinery<\/li>\r\n<li>Stocks \u2013 raw material, semi-finished, and finished goods<\/li>\r\n<li>furniture, and stock of the shop\/hotel<\/li>\r\n<li>All personal belongings in the home<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_is_not_covered_under_fire_insurance\"><\/span>Which is not covered under fire insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\">\r\n<li>Earthquake (can be covered by paying an additional premium)<\/li>\r\n<li>War<\/li>\r\n<li>Terrorist<\/li>\r\n<li>Caused by a third party- for example, your factory is on the ground floor and the fire was caused by someone from the first floor<\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n\r\n\r\n<p><strong>Pro Tip-<\/strong><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>You should be aware of the items you want to cover so that you can calculate the value of your belongings.<\/li>\r\n<li>Proof of insurable interest (ownership) should be there<\/li>\r\n<li>It\u2019s important to have fire safety equipment too, the quality of which would also help you get a lower premium.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p><strong>Things to declare<\/strong><\/p>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\">\r\n<li>You need to declare the kind of products that you want the insurer to secure, depending on which the premium will be decided, flammable materials premium would cost a lot more.<\/li>\r\n<li>You have to declare the previous losses you have had too.<\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n<p><strong>Always take insurance equal to the value of the items you want to insure.<\/strong><\/p>\r\n\r\n\r\n\r\n<p>For instance, if you have taken fire insurance of Rs. 1 crore for a stock whose value is Rs. 2 crores. Later, if you suffer a loss of 50%, then the insurer will pay 50% of the loss suffered as insurers work on a pro-rata basis. Hence, you will be entitled to get Rs 25 lakh only.<\/p>\r\n<p>Therefore, it is very important to cover the entire property and not only a part of it.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Important_Documents_for_Fire_Insurance\"><\/span>Important Documents for Fire Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Fire department report<\/li>\r\n<li>Photographs<\/li>\r\n<li>Police FIR \u2013 this is crucial evidence that explains the cause of the fire<\/li>\r\n<li>Panchnamma report \u2013 Police take evidence from 5 people who were there post-fire incident<\/li>\r\n<li>Evidence to establish the value of the stock<\/li>\r\n<li>Surveyor report<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Once you inform your insurance company, they will send a surveyor. A surveyor is a professional who makes a report. This surveyor report is very important to evaluate your loss.<\/p>\r\n<p>And if you have any objection to the surveyor report, you can also submit an objection letter to your insurer.<\/p>\r\n<p>Within 30 days from the surveyor&#8217;s visit, a discrepancy report for further information or claim acceptance will be sent to you.<\/p>\r\n<p>The claim settlement might not always be as expected. If you are not satisfied with the claim settlement, you can contact your insurer again.<\/p>\r\n<p>We at Insurance Samadhan can help you with your genuine claim issue. We have helped 14,500+ people in resolving complaints related to insurance. Contact us to get samadhan for your insurance-related issues. We are always available to help you out.<\/p>\r\n\r\n\r\n\r\n\r\n\r\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/5-reasons-why-health-insurance-claims-get-rejected-amid-covid-19\/\">Health Claim Rejection amid Covid-19<\/a><\/p>\r\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in a life insurance policy<\/a><\/p>\r\n<div>\r\n<div class=\"centered-text-area\">\r\n<div class=\"centered-text\">\r\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/\">Death Claim Rejection<\/a><\/p>\r\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\r\n<p>You can also<\/p>\r\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\r\n<p>Call us on +91 9513631312<\/p>\r\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">9910998252<\/a><\/p>\r\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\r\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Fire Insurance is an insurance contract between an insurer and an insured. It protects you from property damages due to fire and other covered perils. What are the principles of fire insurance? Indemnity \u2013 It compensates only to the extent&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":520,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[94],"tags":[145],"class_list":["post-519","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fire-insurance","tag-fire-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Everything You Need to Know About Fire Insurance<\/title>\n<meta name=\"description\" content=\"Fire Insurance is an insurance contract between an insurer and an insured. It protects you from property damages due to fire and other perils.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Everything You Need to Know About Fire Insurance\" \/>\n<meta property=\"og:description\" content=\"Fire Insurance is an insurance contract between an insurer and an insured. It protects you from property damages due to fire and other perils.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Samadhan\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-01T12:42:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-09-05T05:34:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2020\/10\/Features-of-Fire-Insurance.jpg?fit=1920%2C1080&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Raina Rajpal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Raina Rajpal\" \/>\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\":\"WebPage\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/\",\"url\":\"https:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/\",\"name\":\"Everything You Need to Know About Fire Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/everything-you-need-to-know-about-fire-insurance\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2020\/10\/Features-of-Fire-Insurance.jpg\",\"datePublished\":\"2020-10-01T12:42:02+00:00\",\"dateModified\":\"2022-09-05T05:34:11+00:00\",\"author\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#\/schema\/person\/fe1eb7b2f6491e1f90e2caae138ba8c0\"},\"description\":\"Fire Insurance is an insurance contract between an insurer and an insured. 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