Fire insurance

What to Do if Your Fire Insurance Claim is Denied

There are many reasons insurance companies justifiably deny fire insurance claims. But that doesn’t mean all fire claim denials are justified. If you’ve had a fire, and your insurance company denied your claim, there are several things you should do immediately. Review the Denial Letter You will receive a letter explaining exactly why your insurance company denied your claim. Compare the details in this letter to the coverage details in your insurance policy. Be sure you understand the language in both the denial letter and your policy. If it is clear your coverage was not adequate to cover your loss, or if the peril was excluded from your policy, there is no cause for further action. If...

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UAE residents still opting against fire insurance cover, brokers say - The National

ABU DHABI // Insurance brokers estimate that only five to six per cent of residents are covered in case of a fire in their home, despite some policies costing less than Dh1 a day. Although annual insurance cover can range between Dh300 to Dh1,300 for a one-bedroom apartment, the majority of owners and tenants are still opting not to protect their homes with cover for fire, water damage or burglary. After recent high-profile fires, such as last February’s blaze at The Torch tower in Dubai Marina and the New Year’s Eve fire at The Address Downtown hotel, enquiries about home and contents insurance have increased only slightly. “Of course, after each disaster or major accident we see people...

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Fire Insurance in the United States

Dalit Baranoff Fire Insurance before 1810 Marine Insurance The first American insurers modeled themselves after British marine and fire insurers, who were already well-established by the eighteenth century. In eighteenth-century Britain, individual merchants wrote most marine insurance contracts. Shippers and ship owners were able to acquire insurance through an informal exchange centering on London’s coffeehouses. Edward Lloyd’s Coffee-house, the predecessor of Lloyd’s of London, came to dominate the individual underwriting business by the middle of the eighteenth century. Similar insurance offices where local merchants could underwrite individual voyages began to appear...

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Fire Insurance: Definition, Functions, Importance (Explained)

Definition of Fire in Insurance Fire insurance contract is defined as “an agreement, whereby one party in return for a consideration undertakes to indemnify the other party against financial loss which the latter may sustain by reason of certainly defined subject-matter being damaged or destroyed by fire or other defined perils up to an agreed amount”. Fire, in order to make the insurer liable under the contract, must satisfy two conditions. First, there should be actual fire or ignition, and second, the fire must be fortuities in its nature. It is a well-known fact that the fire causes huge losses every year. The individual owner by taking fire Insurance can prevent the fire...

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