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Remnants of a house burned down by a fire in New York.

What Items Are Covered in a Fire Claim in New York?

Fires have become more prevalent in recent times as climate change continues to wreak havoc, with numerous areas becoming hotbeds of climate disasters. California may have seen the worst of fires caused by climate change, but New York has also recently gotten a spate of fire disasters. Needless to say, fire damage can affect anyone, and you would be wise to get fire insurance no matter what part of New York you are living in.

The first thought that comes into the minds of people that have experienced the trauma of a wildfire burning through their home or office is what items will be covered if they file an insurance claim. It is a legitimate thought and one that every sane person should pay heed to. Fire insurance companies would like to save as much money as possible whenever they are compensating their clients for fire claims.

However, when it comes to fire claims in New York, things can get pretty expensive. There isn’t a lengthy list of items that come under fire claims, which should be a worrying sign for every home and business owner. Nevertheless, here are some of the items that are covered in a fire claim in New York:

  • The building
  • All electrical installations in the building
  • Machinery, plant, and the equipment
  • Goods in factories such as raw materials
  • Goods that are left out in the open
  • Household dwellings, including furniture and appliances
  • Items in your shop or hotel
  • Pipelines, furniture, fixtures and fittings, etc.

For the most part, fire insurance covers everything, but you should still know what is covered under a fire claim before filing one with your insurance company. That’s because a fire insurance policy covers an extensive array of items, and some of them are mentioned in detail below.

1.    Fire

A fire insurance policy or a fire claim in New York will cover all types of damages related to the fire. However, it won’t cover damage caused to the building due to its own heating mechanism, spontaneous combustion, and fermentation. Apart from that, damage caused to the property due to the heating and drying processes can’t be treated as damage because of the fire.

2.    Lightning

Any kind of damage or fire caused by lightning will be covered in a fire claim in New York. For instance, lightning may cause fires or other damages such as cracks in the building or the roof, which a fire claim is going to cover.

3.    Implosion or Explosion

The fire insurance policy will cover all fires caused by implosion or explosion. However, the fire claim will not cover destruction or damage to vessels, boilers, or other economizers that give out steam or any machines that use centrifugal forces to operate.

4.    Aircraft Damage

Other damages, including fire damage to the property, are caused directly by aerial devices or an aircraft, which includes things dropped from the aircraft, which will be covered in a fire claim in New York. However, any damage caused by the pressure waves of the aircraft traveling at supersonic speeds won’t be covered in the insurance policy.

5.    Impact Damage

The impact caused by hitting an animal or any other vehicle to the property will be covered in fire claims, especially if they were delivered by the animal or the vehicle, which didn’t belong to the owner of the property. The impact caused by vehicles owned by any employees who were performing their jobs and caused the fire will not be covered under the insurance. When filing a fire claim, any damage that occurs outside the boundary walls of the property will also not be covered.


Apart from the things and items mentioned above, there are several other items that are covered in a fire claim in New York. It pays to be informed about them because you can never be too safe, and it’s always best to know how much coverage you have if you do experience a fire disaster. Knowing everything will put you at an advantage, as you will know exactly what items are covered under your fire policy whenever you choose to file a fire claim.