Hostile Fire

Unfriendly fire not confined to its normal habitat. For example, fire in the fireplace leaps onto the sofa. Property contracts protect against damage from a hostile fire, not from damage from fire in the fireplace, its normal habitat. The insurance is designed to cover Fortuitous Loss which the hostile fire is. See also Friendly Fire.

In insurance law, a combustion that cannot be controlled, that escapes from where it was initially set and confined, or one that was not intended to exist.

A hostile fire differs from a friendly fire, which burns in a place where it was intended to burn, such as one confined to a fireplace or furnace.