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To safeguard for the fire loss, the best way is taken out the fire insurance with the insurance company. The followings are the introduction of fire insurance:

1. Accidental loss or damage caused by fire including smoke damage and the water damages caused by extinguishment of fire.
2. Fire spread to neighbors.
3. Lightning.
4. Explosion caused by gas or liquefied petroleum gas used for domestic purposes.
5. Firemen in the fire caused by the inevitable material losses.
   
The insured can extend to cover the followings:
1. Impact by the aircraft.
2. Earthquake including flooding.
3. Explosion.
4. Impact by vehicles.
5. Riot and Strikes.
6. Malicious Damage.
7. Automatic fire sprinkler crack.
8. Typhoon including flooding.
9. Bursting or overflowing of water tanks and water pipes.
10. Spontaneous Combustion.
11. Bush fires.
12. Landslip and Subsidence.

 

1. Buildings (excluding foundations and drains).
2. The materials during in the course of the construction or under repairing.
3. Decoration, furniture, office equipment; machinery, spare parts and tools.
4. Commodities, goods, manufactured products, semi-finished products and raw materials.
5. Rental.
6. Rehabilitation Expenses incurred after loss for cleaning up the damaged property, i.e. Removal of Debris, Architects and Surveyors.

 

In addition to special statement, the policy-not special or valuables following:

1. Gold, jewellery, diamonds, jewelry.
2. Antiques or works of art.
3. Manuscripts, Drawings, Patterns, Models.
4. Securities, bonds, documents, stamps, coins, banknotes, cheques, books ofaccounts, business books and computer system records.

 

1. Insurance period usually last for one year, but also by monthly.
2. Policyholders should determine the amount of insurance carefully, as the amount of compensation is basis on the actual market value at the time of loss.
3. The written notice should be given to the insurance company immediately if anytransfer, mortgage, change in the address and the amount.

 

1. Notify the insurance company immediately after the fire has occurred.
2. Maintain the scene at original situation and do not move any thing before the representative of the insurance company is arrived.
3. Submit the loss details in written together with the relevant receipts to insurance company for the basis of the claim.
4. Notify and submit the details to the insurance company if there is other insurance.