Insurance - Statutory Reinstatement 3816762268780510832-blid-6821089252464533309

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Irrespective of any contractual provision relating to reinstatement, the insurer must reinstate if he is requested to do so by a person (other than the insured) who is interested in or otherwise entitled to the premises damaged by fire. This is the effect of the Fires Prevention (Metropolis) Act 1774, which was passed with a view to discouraging arson by insureds and providing a degree of protection to tenants. The Act does not apply to personal property and is effectively limited to reinstatement following fire.