Property Damage and Fire Department Charges

June 11, 2012

Is the CGL form not meant to pay expenses to fight a fire for which the insured is negligent? For example, the insured hot tars a roof and the building burns down. Cost to replace the building is $1,000,000 and the expenses to put out the fire come up to $20,000, so the total bill is $1,020,000. Does the CGL form only pay for the property damage portion ($1,000,000) and not the expenses to put out the fire?