What is described as "friendly fire" in the context of property insurance?

In the context of property insurance, "friendly fire" refers to a fire that is intentionally set in a controlled environment, typically for a legitimate purpose such as recreation or heating. While the term might suggest a benign or harmless nature, it’s important to understand that this kind of fire involves the risk of spreading out of control if not managed properly. This can create complications for insurance claims, as it blurs the line between accidental damage and intentional acts, which may have different implications when assessing coverage.

The definition aligns with controlled environments where fire is safely contained, such as in a fireplace or during a controlled burn. It signifies that even though the fire is intended for a specific purpose, it can lead to unintended consequences if not handled correctly. This concept can affect how insurers view claims related to fire damage.