First – direct losses:
They are the losses resulting directly from the fire, and they cause the asset at risk of fire and lead to a decrease in its value or its death. Direct losses include:
1. Natural losses of fire:
They are the losses that arise as a result of heat or flame from the fire and include:
a. Physical losses to the original subject matter of the insurance as a result of the fire.
B. Physical losses due to smoke from the fire or the heat generated from the fire.
C. Physical losses resulting from the collapse of walls and ceilings as a result of fire.
2. The inevitable losses of the fire:
They are the losses that are necessary to reduce fire losses and prevent their spread and try to limit the spread of the fire and include:
a. Material losses to property due to the extinguishing water and the chemicals used in the extinguishing process.
B. Physical losses resulting from firefighters’ attempts to limit the spread of the fire, such as demolishing some walls or throwing some movables outside the burning property to reduce the intensity of the fire.
C. The material losses resulting from the transfer of property from one place of the fire to another place for storage.
Dr.. Explosion losses.
E. Property losses due to exposure to weather factors such as rain.
And. Theft losses during the fire, and provided that the stolen things have gone out of the insured’s possession and supervision.
We find that it is the ordinary fire insurance policy that covers direct losses of both natural and inevitable types
Second – indirect losses:
They are losses that do not affect the original subject of the risk, but they result from the occurrence of the fire and affect the financial position of the owner of the subject subject of the risk, as well as civil liability towards others as a result of the fire.
These losses are not included in the insurance cover provided by the regular fire insurance policy, but can be covered either by separate documents or by appendices to the regular policy with additional premiums paid in return.
Indirect losses include:
1. Losses arising from civil liability arising from the fire. Examples include the responsibility of the tenant before the owner, the responsibility of the owner before the tenant, the responsibility of the neighbor towards the neighbors, the responsibility of the owner of the garage towards the owners of cars.
2. Loss of work losses.
3. Loss of profit loss.
4. Loss of commissions.
5. Additional expenses losses
6. Additional rental expenses.
7. Additional operating expenses
Types of fire insurance documents:
There are many divisions of fire insurance documents, and these documents can be divided from several angles. Among the most important of these divisions:
1. Division of fire insurance documents according to the subject matter of the insurance.
2. Division of fire insurance documents according to insured accidents.
3. The division of fire insurance documents according to the nature of the insurance amount.