Policy note
Fire and smoke in a flat above a shop
Fire is more than flame. Smoke, soot and the water used to put a fire out are damage the same section deals with.
In a flat above a shop the ceiling of one business is the floor of a home, and the two are usually insured by different people. The schedule names which part of the building this policy answers for.
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 from flame, heat, smoke and soot.
- 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.