Who will pay for the fire loss of residential buildings?

The subject of compensation for disaster losses is generally determined according to the cause of the fire, including but not limited to tenants, landlords, property companies, power departments, third-party responsible persons, etc. And can make claims according to the insurance contract.

The main body of compensation for residential fire losses usually depends on the determination of fire causes and responsibilities of all parties. The following is a general division of responsibilities: Lessee's liability If a fire is caused by the lessee's improper use of electrical appliances, open flames or other negligent acts, the lessee shall bear the corresponding liability for compensation.

Liability of the property owner or landlord: If a fire is caused by improper maintenance of the landlord, such as structural problems of the house, aging of facilities and equipment (such as aging of wires), the landlord shall be liable for compensation.

Responsibility of the property company: If the fire is caused by indirect reasons such as poor property management, such as inadequate fire-fighting facilities and blocked safety passages, the property company may be liable for compensation.

Responsibility of electric power department: In case of fire caused by power supply system failure, and it can be proved that the electric power department is at fault, the electric power department shall bear corresponding responsibilities.

Third-party liability: In case of fire caused by intentional arson, improper construction and product quality problems, the relevant responsible person shall be responsible for compensation.

Accident or Force Majeure: If the fire is caused by force majeure factors such as natural disasters and there is no human fault, the property owner will generally bear the losses himself.

Insurance claims: No matter which party is ultimately responsible, if the party concerned has purchased relevant property insurance, he can get some compensation through the insurance company after the fire is confirmed.

The specific liability and compensation amount shall be determined according to the fire accident certificate issued by the fire rescue agency, and shall be handled in combination with the national laws and regulations and the contract. In addition, "People's Republic of China (PRC) Fire Protection Law" and other relevant laws and regulations have clear provisions on fire accident investigation, loss statistics and accountability.