FIRE AND NATURAL DISASTERS
FIRE INSURANCE
It is a type of insurance that provides protection in order to cover the losses incurred in the event that any building used for private or commercial purposes, as well as the goods, machinery, installations, fixtures, commodities and all kinds of equipment in it, are damaged in a fire.
With Fire Insurance, the insured is covered for the material damages directly caused by fire, lightning, explosion or smoke, vapour and heat resulting from fire and explosion, as well as the following hazards optionally within the limits and conditions specified in the policy.
Earthquake and Volcanic Eruption
Smoke
Landslide
Snow Weight
Collision of Land Vehicles
Collision of Aircraft
Debris Removal
Strike - Lockout - Unrest and Civil Disorders
Terror
Malicious Acts
Wreckage Removal Costs
Storm
Theft
Built-in Water
Rent Loss
Fire Financial Liability
Glass Breakage
COVERAGE OF THE SUM INSURED
In Immovable Property:
If there is no contract to the contrary, attachments such as gardener's house, garage, water tank, coal cellar outside the buildings and all kinds of fixed installations, lifts and escalators, lightning, television antennae, foundations and retaining walls inside or on the buildings are within the scope of the sum insured.
Things such as garden and perimeter walls, docks, terraces, piers, fountains, statues outside the building, cisterns and pools are within the scope of the sum insured, provided that they are specified in the policy.
Land value is not taken into account in determining the sum insured.
IN MOVABLE PROPERTIES
If the insured things are divided into items or groups in terms of their qualifications, those who fall into any of these items and groups
If a single sum insured is stipulated for all of the insured items, everything that falls within the definition of this sum insured is covered by the insurance, whether or not it is stated separately in the policy, even if it is a substitute or a new purchase
If there is no contract to the contrary, only items belonging to the insured and his/her family members or persons living with him/her and his/her employees are covered by the insurance.
Natural Disasters can cause great damage in terms of their destructiveness and bring the damaged enterprises to a partial or complete standstill.
While creating risk plans against natural disasters, NEN BROKERAGE provides professional consultancy services to businesses on damage prevention. As a result of these consultancy services, damages that may occur in natural disasters can be partially prevented. However, in order to offer the most comprehensive coverage against natural disasters that may occur in geographical conditions where there is no statistical information, NEN BROKER A.Ş. combines its years of experience with a global perspective and offers the most comprehensive natural disaster insurances to thousands of customers at home and abroad.
For detailed information and insurance application, please contact the nearest NEN BROKERAGE office.