Fire, Friendly
Same as term Friendly Fire: kindling intentionally set in a fireplace, stove, furnace, or other containment that has not spread beyond it. Property insurance does not protect against damage from a friendly fire. For example, smoke damage to the inside of a fireplace is not covered because the fire is in its normal habitat; to insure it would be insuring against a certainty. Insurance is designed to provide coverage against the fortuitous loss.
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