Building fire insurance and its types

Types of fire insurance coverage

If your building is damaged by fire, you should know that insurance covers two types of damage, which we have mentioned below. In addition, one of the most common questions about fire insurance is whether this insurance also covers bodily injury and death, which we must say is no! This insurance only covers the building and its property:
Fire damage caused by fire, lightning, and explosion: As is clear, this type of insurance coverage is related to fires caused by fire, lightning, and explosion. Of course, you should know that if this fire is caused by severe explosions such as a nuclear explosion, it would not be covered.
Additional damages of fire insurance: Like any other insurance, fire insurance also has extensions and additions that you can purchase and add to the main insurance policy. Although this type of insurance may increase your costs, it also covers some of the more uncommon risks.

Possible risks and additional coverages of building fire insurance

• Damage caused by floods and water inundation: This water inundation can be caused by the rising water of a river or sea.
• Damage caused by earthquakes and volcanoes: If a building is damaged in the event of an earthquake or volcano, a specific insurance premium is determined based on the materials used in the building and the type of structure.
• Damage caused by snow and rain: If the intensity of the rain and snow is high and this snow and rain somehow enters the insured location and causes damage, additional fire insurance is granted to them.
• Storms and tornadoes are also considered additional fire insurance.
• Insurance related to the crash of an airplane and its parts are also considered as fire insurance.
• If a foreign object hits the windows of a building, it is also considered additional insurance.
• Bursting pipes in engine rooms or tankers, etc. It is part of this category of fire insurance.
• If any of these incidents, the cost of cleaning and .. as well as the harvest, you can cover it under insurance.
• If you are robbed and the thief entered by breaking the door and window and the property in question is damaged, you can receive compensation after the insurance agent’s expert opinion.
• Also, landslides and avalanches can be included in additional fire insurance. Of course, the building or structure in question must be located in the area of ​​the landslide. Its location is also very important. For example, houses that are closer to the mountain and face greater danger will have higher insurance premiums.
• If the roof of the building collapses due to snowfall and rain, the damage can be received from additional fire insurance.
• Landslides and subsidence are also considered fire insurance. Of course, these incidents will be confirmed after an expert examination.
• Finally, if a foreign object hits the building and damages it, it is possible to receive compensation from insurance.