- Nov 25, 2014
Hello, I have a home insurance policy with RGA Co. and the other day my son took off his jumper and unintentionally spilled it on the fireplace.
I claimed against my Insurance Co. the damage for fire in clothes and they tell me that the claim is not covered.
Could you tell me if they are right, please?
Moderator, Sergio Sanguino
According to the General Conditions it is considered fire the damage and losses of material caused to the property insured by the direct heat as well as caused by the inevitable consequences of it. Understanding by fire the combustion fire and burning by fire capable of spreading to an object or objects that were not designed to be burned in the place and time it occurs.
But specifically in the General Conditions of the RGA Insurance Co. if we look at the paragraph of exclusions from fire coverage, it states that it is excluded “damage …when the insured objects fall individually into the fire”
That is, should the jumper had caught fire due to a fire it would be cover, but being a domestic accident in which an insured object falls by chance into the fire, you have no coverage in the policy.