Fire insurance

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Covers not only flames but also smoke, soot, and firefighting water or chemical damage.

Many policies include lightning strikes and explosions in addition to standard fire damage.

Market Value pays replacement minus depreciation; Replacement Cost covers full rebuild without deductions.

Standard fire policies exclude floods and earthquakes; separate endorsements required for coverage.

Allied Perils or Extended Coverage endorsements provide protection for perils not in standard policy.

Submit required documents, invoices, and damage reports online or via your insurer.