What does it mean to call a fire "hostile"? This question has become increasingly important for insurance policyholders, such as those seeking coverage for fires and explosions following crude-by-rail or chemical-by-rail accidents.
When an explosion or fire event results in death, personal injuries or property damage, insurance companies may rely on a pollution exclusion. These exclusions may contain important exceptions, however, for "hostile fires"...
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This article is presented for informational purposes only and is not intended to constitute legal advice.
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