Items related to The Standard Fire Insurance Policy: New York Form-Operative...

The Standard Fire Insurance Policy: New York Form-Operative Since May 1, 1887; Issued by Fire Insurance Companies in the United States, Excepting Where Legislatures Have Made Special Forms, Viz., Main - Hardcover

Henry Darrach

 
9780331964837: The Standard Fire Insurance Policy: New York Form-Operative Since May 1, 1887; Issued by Fire Insurance Companies in the United States, Excepting Where Legislatures Have Made Special Forms, Viz., Main

Synopsis

Understand how standard fire insurance policies work in practice.

This practical guide explains the widely used form that governs many U.S. fire insurance contracts. It covers the core terms, conditions, and procedures you’ll encounter when insuring property, filing a loss, or dealing with mortgagee rights and co‑insurance rules. Clear cross‑references help you follow how different parts of the policy fit together.

The book outlines the standard form’s scope, the insured’s duties, and when coverage applies. It highlights what can void a policy, what happens if ownership or interest changes, and how endorsements or amendments affect protection. It also explains the mortgagee clause, the insurer’s subrogation rights, and the steps involved in loss settlement. Practical notes about filing a claim, appraisals, and the role of investigators make the material approachable for property owners, agents, and students alike.

  • Key definitions and who is covered under the policy text
  • Conditions that can end or restrict coverage (concealment, misrepresentation, changes in interest, etc.)
  • Mortgagee rights, subrogation, and how lenders are protected
  • How loss is calculated, appraisals, co‑insurance, and policy cancellation rules

Ideal for readers needing a clear, usable overview of standard fire insurance forms and their practical application.

"synopsis" may belong to another edition of this title.