Title: 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., Maine, Massachusetts, Michigan, Minnesota, New Hampshire
Publisher: Forgotten Books
Publication Date: 2018
Language: English
ISBN 10: 033196483X
ISBN 13: 9780331964837
Binding: HRD
Condition: New
Weight: 291 grams

About this title

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.

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

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