What does fire insurance not cover?
Fire insurance in Oregon generally covers the cost of repairing or rebuilding any personal property or buildings that have been damaged by fire. However, there are certain expenses that fire insurance does not cover. One common example of an expense not covered by fire insurance is the cost of removing debris from the affected area. If a person has to hire a specialized company to clean up the debris from a fire-damaged area, the cost will usually not be covered by fire insurance. Another expense not covered by fire insurance is the cost of relocating while repairs are being made. If a person needs to move in order to avoid the possible hazards of fire damaged property, the cost of the new temporary living arrangements will not be covered by insurance. Fire insurance typically does not provide coverage for the loss of any valuable items. If some items were destroyed in the fire, the value of these items will not be covered by fire insurance. Finally, fire insurance does not cover personal liability. A person may be held liable for the fire if it is determined that the person caused the fire, either through negligence or intentional actions, and fire insurance does not usually provide coverage for any liability expenses that may be incurred due to the fire. Overall, fire insurance in Oregon covers the cost of repairing or replacing buildings and personal property affected by a fire but generally does not cover certain expenses such as debris removal, relocation costs, lost valuable items, or any personal liability expenses.
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