Combustion evidenced by a flame or glow. Insurance distinguishes between a hostile fire (one out of bounds) and friendly fire (such as that contained within the fire box of a stove).
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Combustion which is rapid enough to produce a flame or glow. A Fire, for the purposes of Property Insurance must be “hostile” which means it is not in a place in which it is intended to be. Fire connote actual ignition under accidental or fortuitous circumstances so far as its coverage under the Fire Insurance is concerned. Fires in their proper contained area are called “friendly Fires” and are not covered under most basic Fire Insurance Policies. Scorching without ignition is not a Fire. A Fire lighted for a definite purpose, say, for warming or manufacturing is not a Fire as understood in the Fire Insurance parlance if it is confined within its own limits. If such Fire breaks out of its bounds and ignites other property, then the loss is within the scope of ‘Fire’ Insurance in view of both the elements “ignition,” and “accident” being present. In other words, there is said to be a Fire within the meaning of Fire Insurance when (a) there is actual ignition (b) the property is one which ought to have been on Fire and (c) the Fire is purely accidental or fortuitous in origin, as far as the insured is concerned.
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UK: Occurs where there is actual ignition that is accidental or fortuitous in origin from the insured’s standpoint. The term does not include a fire lighted for a specific purpose while confined to its normal limits (e.g. in a grate), but includes fortuitous damage caused if property is inadvertently thrown or dropped onto it. A policyholder who had hidden jewellery beneath the fuel in a grate and, forgetfully, lit the fire later was able to recover. Unburned property damaged by water used for extinguishment is ‘fire’ damage under the proximate cause doctrine.

The consequential loss Insurance provides cover for lost profit, increased cost of working etc. The Policy provides for payment of (a) net profit (b) standing charges i.e. expenses which continue to accrue at their normal level despite the reduction in earning capacity. (c) increased cost of working i.e. expenses incurred in maintaining production by the adoption of temporary expedients.

Combustion intense enough to result in a flame or a glow. Only hostile fires, which are unintentional or have grown outside the intended area, are covered by property insurance.

A General Liability limit that applies only to the coverage for fire legal liability.

A limit that only pertains to fire legal liability coverage.

A fee that may be imposed by a fire department for responding to a call. Most fire coverage agreements include indemnification provisions for such eventualities.

A clause within a fire insurance contract that provides that the insured will be reimbursed for any expenses caused by the fire department attempting to save their property.