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The Fire and Allied Perils Insurance Policy provides financial protection against the loss, destruction, or damage to insured property caused by fire and other specified perils. It is designed to safeguard residential, commercial, or industrial properties against unforeseen events, ensuring business continuity and personal peace of mind.

Types of Cover Under Fire Insurance

1. Fire Damage
2. Fire Damage

Coverage Details

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1. Fire Damage
   Indemnifies the insured against losses resulting from accidental or unforeseen fire incidents, including electrical fires and external fire hazards.
2. Special Perils
   Coverage extends to include various allied perils, such as:
1. Lightning:Damage caused by direct lightning strikes.
2. Explosion:Loss resulting from accidental explosions (excluding industrial machinery failures).
3. Storms, Floods, and Tempests: Coverage for damages due to extreme weather conditions, such as heavy rains, strong winds, or flooding.
4. Earthquake:Protection against loss caused by seismic activity.
5. Impact Damage: Loss resulting from objects falling on the insured property, including vehicles or aircraft.
6. Riot, Strike, and Civil Commotion: Covers damage caused during riots, strikes, or public disturbances.
7. Malicious Damage: Protection against deliberate damage caused by third parties.

Key Features:

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1. Comprehensive Coverage:
   The policy ensures compensation for damage or loss of insured property up to the sum insured, enabling financial recovery after an incident.
2. Flexibility
   Tailored to include specific perils relevant to the insured's needs and risks associated with their property.
3. Applicable Properties
   The policy covers residential buildings, commercial properties, warehouses, factories, and other assets as specified in the contract.

Claims Process:

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1. Notify the insurer immediately after an incident occurs.
2. Submit a detailed claim form with supporting documents, including photographs, reports, and proof of ownership.
3. Cooperate with the insurer’s investigation to assess the extent of damage or loss.
4. Receive compensation within the policy’s terms and conditions.

Fire and Allied Perils Insurance provides peace of mind by protecting your valuable assets from unexpected events, ensuring quick recovery and continuity.