![]() ![]() However, as fires cause extensive property damage, from flames, smoke, and the water used to control it, fire restoration costs are particularly high. In the majority of the cases, the cause of the fire is hard to determine, and the policy owners may not have a clue either. That is why you have the policy in the first place, for “accidental” losses. Unless the policy owners purposely set the fire (in which case is classified as arson), the fire loss is covered by the homeowner policy. Can the property loss claim be denied on grounds of negligence? The fact is, in most cases, the homeowner bear some responsibility. One could have better supervised the kitchen, the candles, the stove, fix those electric outlets, etc. Most fires are caused by some sort of human error therefore, negligence is easily implied.
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