What does fire insurance not cover?

In North Dakota, fire insurance claims law outlines what is and is not covered by fire insurance. Fire insurance does not cover damage to property that occurred prior to a fire. This includes any existing damage or defects that were not caused by the fire or any other losses such as normal wear and tear. Fire insurance also does not cover intentional damage or any damage caused by the negligence of the policyholder. In addition, fire insurance does not cover losses to property resulting from floods, earthquakes, civil unrest, acts of war, or other acts of God. Similarly, fire insurance does not apply to expenses that are related to the removal of debris or cleanup of an area following a fire. Fire insurance also excludes any items that were not properly listed on the policy, including valuable items such as jewelry or art. Losses related to business interruption are also not covered. In general, fire insurance does not cover any type of damage that is outside the scope of what is defined in the policy. Therefore, it is important to read and understand the language of the policy before purchasing a fire insurance policy in North Dakota.

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What does fire insurance not cover?

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