What defines a Friendly Fire in the context of property insurance?

In the context of property insurance, a "Friendly Fire" refers specifically to a fire that is intentionally set and contained. This term is often used to describe situations where a fire is purposefully ignited within a controlled environment, such as a fireplace, campfire, or controlled burn, and is meant to be managed safely without risk of spreading outside the designated area.

Insurance policies may cover damage or losses that result from these types of fires under certain conditions, recognizing the controlled nature of the fire. This distinguishes friendly fire from other forms of fire incidents that may be accidental or uncontrollable, where the intent and containment aspects play a crucial role in defining the circumstances around the event and determining coverage eligibility.

Understanding this definition helps policyholders recognize the importance of fire management and legal implications surrounding intentionally set fires. It also underscores insurance considerations, as coverage varies based on how the fire was ignited and contained.