Policy note
Fire and smoke in a ground floor maisonette
Fire is more than flame. Smoke, soot and the water used to put a fire out are damage the same section deals with.
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.
A ground floor maisonette carries what comes down from the floors above and what comes up from the ground beneath, and the conditions deal with the two under separate headings.
02
What the policy covers here
- Damage from flame, heat, smoke and soot.
- 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.