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I need a reason for the insurance company not to pay out after a fire. The fire is in a shop. It was started deliberately but not by the owner. I was thinking about having no batteries in the fire alarm but I imagine the whole thing would melt anyway. Any ideas?
Comments
Sprinklers should have been installed and weren't?
Forgot to pay premiums?
Why not Google 'insurance won't pay out on my fire' and see the reasons insurance have given?
https://www.nottinghampost.com/news/local-news/tea-towels-spontaneously-combusted-causing-1175769
They hadn't fitted a proper fire door;
An ash tray was found with butts in it - infringement of No Smoking rules;
The coffee urn didn't have an electrical safety sticker on it/the wires were exposed;
A bottle of (flammable) nail varnish remover was found in the Ladies;
A faulty phone charger had been left plugged in.
Thanks for all of those. Spontaneously combusting tea towels, Carol. Who knew that was a thing.
Arson in itself might be included on the policy as a get out.
They might have a wired detection system that had been installed incorrectly – if insurer could prove it had been installed by someone not certified they may not pay out. On a proper system (not just a smoke alarm which may insufficient in a shop anyway) the cables/internal metal box would likely remain unless a very ferocious burn.