Fire, smoke and water damage create huge clean-up, repair and reconstruction costs. Normally, you yourself have to prove that the cause of damage is covered by your fire policy.
All risks insurance reverses the burden of proof subsequent to a fire. All damage is generally covered, unless your policy specifically states otherwise. It is up to the company to show that this is indeed the case.
These risks will invariably be excluded:
- damage owing to products containing asbestos
- damage owing to war, mutiny or nuclear risks
- damage owing to your premises being requisitioned by the police or army
- damage owing to blackmail, deceit, abuse of trust
