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Covers the insured property against loss or damage by fire and/or lightning. In addition, with application of proximate cause, although not directly caused by fire or lightning the following are also covered:
- Damage by water or other extinguishing agent used during the accident;
- Damage by fire brigade in the execution of its duties;
- Property blown up to prevent the spreading of fire;
- Loss of or damage to property removed from the burning building caused by the process of removal or rain provided the insured takes steps as soon as possible to protect the removed property.
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