fire loss

The risk covered by a fire insurance policy. Inclusive of the destruction of property directly or indirectly pursuant to the orders of civil authorities. Anno: 76 ALR2d 1140, 1146, 1147. Loss from a hostile fire, not loss from a friendly fire. 29A Am J Rev ed Ins § 1287. Including a loss caused by an explosion resulting from a fire. German American Ins Co. v Hyman, 42 Colo 156, 94 P 27. Loss or damage by fire, as the terms are used in fire insurance policies, means loss or damage of which fire was the immediate or proximate cause. The damage need not be caused by direct contact with the fire and it is not necessary that any part of the insured property actually ignite or be consumed by fire; as where it was held that the fall of the insured building was within the policy, although no part of it ignited or was consumed by fire. Russell v German fire Ins. Co. 100 Minn 528, 111 NW 400. See fire. See destroyed by fire.