Conflagration

What Does Conflagration Mean?

A conflagration is a large fire that spreads over a wide area, often destroying multiple properties and potentially causing loss of life. Insurers closely monitor areas that are susceptible to this risk.

Insuranceopedia Explains Conflagration

A conflagration is a large, extraordinary fire that may be caused by natural events (such as wildfires) or human actions (such as arson). The extent of the damage can classify a fire as a conflagration, particularly if it destroys multiple properties in an area.

Insurers are cautious about issuing policies to residents in conflagration-prone areas. When they do approve such policies, they typically charge higher premiums than for standard property insurance and may require policyholders to install protective devices or ensure that their property is located near a fire department or another facility with safety and security measures.