What is the definition of hostile fire?

Hostile fire is defined as a fire that leaves its intended place of confinement and poses a danger to surrounding property or individuals. This concept is essential in insurance because it distinguishes between fires that are contained and controlled, such as those in a fireplace or fire pit, and those that escape and potentially cause damage.

Controlled fires do not present the same risks as hostile fires, as they remain in designated areas and are managed in accordance with safety regulations. In contrast, when a fire escapes to areas not intended for combustion, it creates the potential for property damage, injury, or greater loss. Thus, the definition encompasses the concept of unintentional spread, highlighting the difference in risk and insurance coverage implications between the two types of fire scenarios.

Understanding this definition is crucial for both risk assessment and for determining coverage eligibility in various insurance policies, particularly those related to property and liability.