What percentage of economic losses should the insurance company compensate for the major fire in the hotel?

While using fire, people constantly sum up the law of fire occurrence and strive to reduce fire and its harm to human beings. Fire directly threatens the life and property safety of hotel guests and employees and the property safety of the hotel, which makes the hotel pay a heavy price in economy and reputation. After taking out fire insurance, you are most concerned about time compensation. Some unreliable insurance companies refused to pay. According to relevant insurance liabilities and insurance laws and regulations, different insurance companies have different compensation standards.

The fire control institution of the public security organ shall, according to the fire scene inquest, investigation and relevant inspection and appraisal opinions, make a fire accident appraisal. Claim according to the proportion of the responsibility subject and the responsibility confirmed in the confirmation letter. If the victim suffers personal injury, the compensation obligor shall compensate the income reduced due to medical expenses and absenteeism, including medical expenses, absenteeism expenses, nursing expenses, transportation expenses, accommodation expenses, hospital food subsidies and necessary nutrition expenses. We must check the line safety regularly. If there is an aging line, it must be replaced in time. Once a fire breaks out, there will be endless troubles.

The standard of compensation for property losses caused by fire is not clearly defined, and generally the insurance contract signed by both parties shall prevail. After the occurrence of the insured accident, the insurer has paid all the insured amount, and if the insured amount is equal to the insured value, all the rights of the damaged insurance subject matter belong to the insurer; If the insured amount is lower than the insured value, the insurer shall obtain the damage insurance standard according to the ratio of the insured amount to the insured value. If a risk accident is caused by damage to the subject matter insured by a third party, the insurer shall subrogate to the insured for compensation within the scope of compensation from the date of compensation.

We know that fire will not only burn down our homes, but also make some people lose their precious lives. Smoke and gas in the fire can also lead to inhalation loss. The main cause of death caused by smog is carbon monoxide poisoning. In the air with carbon monoxide concentration of 1.3%, people will lose consciousness after breathing for two or three times, and will die after breathing for 13 minutes. The carbon monoxide content is as high as 2.5%. The indirect property losses caused by the fire are more serious. In modern society, all walks of life are closely related. In the event of a serious fire, indirect property losses are often dozens of times that of direct property losses.