Bush Fire Vs Forest Fire
There certain industries are located in the area where in the adjoining area, the wheat /rice are produced. After harvesting the crop, many farmers are cleaning the land burning the stubble. It may cause fire to industries located nearby especially the poly houses are situated in the fields and prone to fire loss which shall be considered as Forest Fire which is exclusion in the Fire Policy. To cover such losses the “add on cover” of forest fire is to be opted by paying the additional premium. Not only the these industries or ploy houses but also the builders who are constructing building in the rural area near the fields and covering their property under “Building in the course of construction” in the Fire Insurance. They should also opt for the “add on cover” for Forest fire.
The endorsement wording in the policy is as under:
“In consideration of the payment of premium of additional premium the insurance under item of the policy shall extend to include loss of or damage to the property insured directly caused by burning, whether accidental or otherwise, of forest /jungles and cleaning of land by fire”