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1. Friendly Fire – Fire that burns in a place where it is supposed to burn
2. Hostile Fire – Fire that escapes and burns in a place where it is not supposed to be. It may
also refer to fire that started out as a friendly fire but escapes from its original place or it
becomes too strong as it becomes out of control.
NOTE: The insurer is liable for loss or damage caused by hostile fire (fire that escapes from the
place where it was intended to burn and ought to be in) and not that caused by friendly fire (fire
which burns in a place where it is intended to burn).
2. Hostile Fire – Fire that escapes and burns in a place where it is not supposed to be. It may
also refer to fire that started out as a friendly fire but escapes from its original place or it
becomes too strong as it becomes out of control.
NOTE: The insurer is liable for loss or damage caused by hostile fire (fire that escapes from the
place where it was intended to burn and ought to be in) and not that caused by friendly fire (fire
which burns in a place where it is intended to burn).
