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It may
include coverage against loss by windstorm or earthquake and other allied
risks, when such risks are covered by extension to fire insurance policies or
under separate policies.
Allied Perils
RIOT and CIVIL COMMOTION.
Damage by riot or civil commotion or caused maliciously by
strikers or persons acting in connection with political
organizations can be covered for a small premium in Great
Britain; in Ireland such cover is not freely granted. "Riot" is a term
which has been judicially defined, and, where the requisite
elements are present, a person whose property is damaged may,
on claiming within fourteen days of the damage, recover
compensation from the local police authority. Damage of this kind
has been negligible in this country for many years, though the
position is very different in more turbulent territories abroad. War
damage is never covered by insurers under fire policies. For a
situation to be classified as a riot five elements have to be shown,
that is
-there must be three people present
-there be a common purpose lawful or unlawful
-there must be execution, or inception, of the common purpose
-they must intend mutually to assist one another, by force if
necessary, in the execution of the common purpose
-there must be force of violence displayed in such a manner as to
alarm at least one person of reasonable firmness and courage.
Where the riot peril is in force the circumstance in which it applies
become slightly reduced but some damage which may have
previously been recoverable as riot may fall under another peril
such as a fire, explosion, thus making the cover slightly wider.
Explosion
Explosion is, briefly, the sudden release of pent-up pressure with
the force of concussion. The standard fire policy includes fire
resulting from explosion, and the explosion of domestic boilers or