Insurance covers damage resulting from natural disasters, fire, explosion of natural gas, unlawful actions of third parties, and water damage.
In the event of total property loss, the insured amount is paid; in the case of partial damage, the amount of recovery expenses is paid, but not more than the insured amount.
Recovery expenses include the cost of materials and spare parts, payment for work, delivery of materials, and preparation of the project estimate.
Protection against such natural disasters as flood, earthquake, hurricane, snowfall, hail, lightning strike, and landslide helps cover repair or replacement costs of damaged property.
Fire - a flame capable of spreading independently outside places specially intended for its creation and maintenance. Explosion - a rapidly occurring release of a large amount of energy, based on the tendency of gases or vapors to expand.
Loss or damage of insured property due to arson, breakage, spoilage, as well as as a result of other illegal/unlawful/illegal actions of third parties.
Physical impact on insured property by water or liquid from plumbing, sewage, heating systems, firefighting and air conditioning systems located at the insured location, or the ingress of water from adjacent premises not owned by the Insured.
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