Question

Under the ............. Act, the damage or loss is not covered in fire policy.

Hint:

Fire policy excludes riot damage unless extra riot cover is added.

Answer 1

Standard fire insurance policies contain exclusions for losses that occur due to certain acts beyond normal fire risks.
One such exclusion is damage caused by riots, civil commotion, or political disturbances.
The Riot Act historically refers to laws that deal with damages arising from riots and unlawful assemblies.
If the property is damaged due to riots, the fire policy does not cover it under standard conditions unless additional riot cover is purchased.
Therefore, under the Riot Act, losses caused by riot-related events are generally excluded from basic fire insurance.