Hello! If the warehouse fire property insurance is insured, you can report the case to the insurance company and ask for compensation. But when settling claims, we should first pay attention to the qualitative nature of fire accidents. The nature of fire accidents is most directly related to the compensation of insurance companies. There are two types of fire. The first is the fire caused by the quality problem or defect of the product itself. Pay attention to whether the fire or loss caused by the quality problem of the product itself belongs to the insurance deductible. Most insurance companies pay compensation in the property insurance clauses, but we should still pay attention to the clauses that some insurance companies classify such risks as deductibles. The second situation is a fire caused by external factors. Generally, the fire department will make a fire accident report after investigation, and the fire department will make an authoritative determination, whether it is due to its own reasons, third-party reasons or intentional arson. Lawyer Tang Chunlin analyzed that both the fire caused by his own reasons and the fire caused by a third party belong to the scope of insurance liability. If intentional arson is involved, the intentional behavior of the insured and the insured belongs to the refusal of compensation, and the intentional behavior of the third party belongs to the scope of insurance liability. Second, pay attention to the loss identification of fire accidents. The characterization of fire accidents is very important for insurance companies to compensate or not; As for how much the insurance company will pay, it needs to be decided. The loss of current assets such as inventory products in fire accidents shall include raw materials, semi-finished products and finished products. After a fire, current assets are generally burned, and often financial vouchers or accounting vouchers are also burned together. The loss of current assets can be assessed and determined by an accounting firm. The determination of current assets will have a fatal problem. Enterprises generally have two sets of accounts, an internal account and an external account. Internal accounts are physical assets and external accounts are nominal assets. Accounting evaluates the loss of physical assets, but the insurance company has to transfer the external accounts to the tax bureau, which is very different.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.