Insurance against fire

In the Dutch town of Enschede jokes about the fire are taboo: in its history, it is completely burnt out more than once. It would seem that after the first fire sizzling life had to teach people something though, but they took it, and built a factory in the city for the production of fireworks, and then, as a result of guess what, built up the area again.
 What I have is that all? For property insurance against fire and harmful effects of fire. As with any other type of insurance, we must remember that the insurance company will not pay compensation for all consecutive cases of property damage. The owner should remember that he is responsible for its property and activities, and insurance companies only helps him in the case of fault or negligence of the insured in the insurance risk is not.
Easier to explain the available examples. The sum insured will not be paid to the policyholder if he does not comply with requirements of regulatory authorities, ignoring safety standards and rules of operation of the insured property and premises.
If the insured property is stored near a source of open flame, in case of damage or destruction thereof, damages will be a daunting, if possible at all. As in the case, if the property is damaged due to an error in design or in the presence of a factory or construction defect - then have to collect the money from the manufacturers (builders), but not with the insurance. Again, if these defects are the cause of fire or impeded the work of firefighters.
If, however, cause a fire, for example, the premises became a short circuit, the effect of the induced current, etc., the SC will pay the amount due under the contract. However, here is the important fact to consider: storage of flammable and explosive substances, in some cases takes the responsibility of the insurer. For example, when detonated explosives stored at home. Of course, few of us sleeps with a grenade under the pillow, but the propane cylinder, left in the sun, can play the role of the bomb.
At first glance, the policyholder is responsible for too much, while the insurance covers the cost of only a few cases. But it is not. Very often the fire is the fault of the insured due to breaches of fire safety. For the negligent actions must meet the person or an organization, which is caused by the fire originated or was not promptly extinguished. As for the list of insurance risks, it can be adjusted in accordance with the wishes of the client's insurance company.