Policy note
Fire and smoke in a converted barn
Fire is more than flame. Smoke, soot and the water used to put a fire out are damage the same section deals with.
A converted barn is part old structure and part new work, and the schedule says which parts of it the policy treats as the building.
What follows is the ordinary position at Noorderdijk. The policy schedule and the conditions document together are what a claim is assessed against, and where this note and those documents differ, those documents are the ones that count.
02
What the policy covers here
- Damage done putting the fire out, water and forced entry included.
- Scorching from an appliance, a candle or a heater.
- Clearing and disposing of what burned.
03
What it does not cover here
- The thing that caused the fire, such as the appliance that failed.
- Scorching from something meant to be hot, such as an iron set down on a worktop.
- Damage in a building where a chimney was not swept as the conditions ask.
- Heat without fire, such as a radiator marking a floor.
The fire service writes a report on anything it attends, and that report answers most of what a claim about a fire has to establish.