Chapter 3 - First 7 are fire and additions perils 1 3 Fire...

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First 7 are fire and additions perils 1. Fire a. Must have a flame b. Most jurisdictions said it needs to be a hostile fire – meaning uncontrolled c. Friendly fire would be a fire in a fireplace d. Spark the jumps out of the fireplace would be hostile e. Direct consequence of a fire would be covered 3. Explosion a. Two major types i. Chemical explosion 1. Try to keep in cold and low oxygen areas ii. Mechanical explosions 1. Sealed pressurized containers usually 4. Windstorm or hail a. Wind from hurricane or tornado b. Hail does not mean Ice, snow, sleet c. No internal damage covered unless the outside is damaged first i. Wind breaks through a window then damages the inside 5. Smoke a. Can be smoke damage from neighbors b. Smudging is burning oil to keep crop warm – not very common 6. Aircraft a. Even an object thrown by the vehicle is covered b. Exclusion for damaged by my own car 7. Riot a. 3 or more people b. Includes looting 8. Vandalism a. Less than 3 people THEFT IS NOT COVERED IN BASIC AND BROAD FORM 9. Sprinkler
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a. Insurer wants to make sure their system works b. If they leak damaged caused by it will be covered c. Many sprinklers will have more than just water in them d. Pays for repairs to the system i.
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