Unfriendly Fire

What Does Unfriendly Fire Mean?

An unfriendly fire, also known as a hostile fire, is a combustion that is uncontrollable and has spread beyond its original location. It may also refer to a fire that occurs in an area where it should not. This is a peril that can be covered by insurance.

Insuranceopedia Explains Unfriendly Fire

The term is the opposite of “friendly fire,” which refers to a fire occurring where it is expected, such as in a fireplace or on a cooking stove. In contrast, an unfriendly or hostile fire occurs in unexpected areas, such as a garage or a room that typically lacks a source of fire.

Damage caused by an unfriendly fire can be covered under a commercial liability policy. However, for the damage to be covered, it must be directly attributable to the unfriendly fire.