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Simple English definitions for legal terms
civil-authority clause
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A quick definition of civil-authority clause:
A civil-authority clause is a part of an insurance policy that protects against damages caused by firefighters, police, or other civil authorities. This means that if these authorities cause damage while trying to help in an emergency, the insurance policy will cover the cost of repairs or replacement. A civil code is a set of laws that covers private, noncommercial matters in a legal system. The most well-known civil code is the French Civil Code, which is the basis for the Louisiana civil code.
A more thorough explanation:
A civil-authority clause is a provision in an insurance policy that protects against damages caused by firefighters, police, or other civil authorities. For example, if a fire breaks out in a building and the fire department needs to break down doors or windows to put out the fire, the civil-authority clause would cover the cost of repairing those damages.
This clause is commonly found in fire insurance policies, but it may also be included in other types of insurance policies that cover property damage.
Overall, the civil-authority clause is designed to provide additional protection to policyholders in the event that their property is damaged as a result of actions taken by civil authorities.