Fire Insurance - Main Street P&C
Call us: +1 (718) 365 5656

1030 Morris Park Ave Bronx, NY 10461

What Are The Risks Covered Under Fire Insurance Coverage?

Fire: The policy provides cover against any kind of damage caused due to a fire related accident; however it does not cover for destruction or damages caused to the property insured by own fermentation, natural heating, spontaneous combustion.

Lightning: Fire or any other damage caused by lightning is covered by this policy. For example lighting can cause a fire or other sorts of damage like cracks in the building or broken roof which a fire insurance will cover.

Explosion/ Implosion: This policy covers fire damage caused due to explosion or implosion. Aircraft Damage: Both fire or any other damage to the property caused directly by aircraft or any other aeria

Riot, Strike, Malicious and Terrorism Damage: Loss or damages to property due to a riot, strike or a terrorist activity (other than war, invasion, mutiny, civil commotion etc.

Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation: Storm, Cyclone, Typhoon, Tempest, Tornado and Hurricane are all various types of violent natural disturbances that are accompanied by thunder or strong winds or heavy rainfall.

Other Covers

Moreover certain exclusions under the Standard Fire and Special Perils Insurance policy; which can be opted for specially; as add-on covers or extensions include

Earthquake Fire and Shock
Spontaneous combustion
Removal of Debris (exceeding 1% of claim amount)
Architects, Surveyors, Consulting Engineers fees (exceeding 3% of claim amount)
Spoilage Material Damage Cover
Leakage and Contamination Cover
Deterioration of stock in cold storage premises
Molten metal spillage Cover
Forest fire
Impact damage due to Insured’s own Rail/Road vehicles
Omissions to insure additions, alterations or extensions
Temporary removal of stock
Loss of rent
Startup expenses

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