Fire policy covers fire due to any cause, subject to some exceptions which may be covered with additional premium. These policies may be extended further by paying additional premium to include collateral damages or losses such as loss of income.
In the absence of any specific expectation the insurer is liable for all losses caused by fire, whatever may be the causes of the fire. Upon the occurrence of fire the insured shall notify the insurer immediately. They can then take steps to salvage the remainder of the property and also determine the extent of the loss.
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