Do I have obligations in order to be covered against fire?

Many policies also impose a general obligation on you to take reasonable precautionary measures to prevent loss – for instance clearing your gutters to reduce the risk of leaves in the gutter catching fire from embers carried by the wind. This only requires reasonable measures – you should not risk your health or safety or disregard local planning laws.  What is reasonable can be argued about, especially if the fire was sudden or of unavoidable ferocity.

An example of a precautionary clause is:

 

“You must at all times, and at your expense, take all reasonable precautions:

 

  • For the safety and protection of your building and the site,
  • To prevent bodily injury or damage to property,
  • To prevent damage to your building,
  • To ensure compliance with all statutory obligations, by-laws or regulations imposed by any public authority, relating to the safety of persons or property.

If you do not, we may reduce or refuse to pay any claim you may make.”

Tags: measures, obligations, precautionary

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