By: Luke Brown
Home Insurance Florida | Strange concept, I know. But in the property insurance world, fires do have moods: friendly or hostile.
At its worst, fire can cause the destruction of a home and all or some of the material things that you have worked for during your life. At the least, it can cause smoke damage, water damage (from extinguishing the fire), and lots of other inconveniences.
But there is another way to think about fires - and the insurance implications of them - that you may not know about. It relates to the distinction between friendly and hostile fires.
Simply put, a friendly fire is one that exists in a place where it belongs. An example is a fire in a fireplace or in an industrial boiler. In the course of burning a fire in a fireplace, it would not be unusual for soot damage to occur on the wall or ceiling adjacent to the fireplace. Despite the injury to the property from the fire that is contained in the fireplace, a homeowners insurance policy would not pay for the cleaning, resurfacing, or repainting of the wall or ceiling. That’s because the accumulation of soot, for example, is analogous to a maintenance issue and furthermore, it is to be expected from the fireplace fire.
For history (and maybe legal) buffs, the concept of friendly fire has its origin in an old English legal decision, Austin v. Drew. There, an employee of a sugar manufacturer did not open the register on the top of a chimney resulting in the build-up of heat, smoke, and sparks throughout the factory. People died, and property was destroyed. In the Austin case, the court held that there was no insurance coverage for the occurrence because the fire and fire-related results were contained to where they should be—in the factory. There would likely be a similar result, as we discussed before, in the fireplace scenario and resulting soot. Although neither your American Integrity homeowners insurance policy (nor any other homeowners policy) uses the terminology “friendly fire,” the concept makes pretty simple sense: without it, fire insurance would just be comprehensive accident protection for everyday home activities. That’s not what homeowners insurance is intended for. Insurance is meant to assume the financial risk of fortuitous (unexpected or unplanned) events.
Moods Can Change
In contrast to friendly fires are hostile fires. Hostile fires are those that happen where fires are not intended, expected or wanted. Furthermore, according to the International Risk Management Institute, a fire can be classified as “hostile” if, although ignited in a location where fires are intended to be (such as the controlled burn of brush), it spreads to adjoining property. It can also be hostile if it becomes hotter and bigger than intended and cannot be extinguished in a typical way. Therefore, an initially friendly fire can become a hostile fire.
Assuming that your homeowners insurance policy provides protection for losses caused by fire (which most do), the results of a hostile fire would be covered by the policy subject to its terms and conditions. Among those terms and conditions is that the cause of the fire was not arson and that the policy was in force at the time of the occurrence. The insurance policy itself states the terms and conditions.
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