A fire policy contains the following exclusions except one. Which is the exception?

In the context of fire insurance policies, most exclusions are based on risks that insurers consider to be too high or difficult to assess for coverage. The application of heat, contamination from radioactive materials, and resultant damages from specific hazards like lightning to electrical devices are commonly expected exclusions.

The application of heat is often excluded because it can lead to a variety of risks including improper handling of materials that can cause fires or damage, making it a significant concern for insurers.

In contrast, the exception here is that resultant damage from lightning to electrical devices or appliances is usually covered under a fire policy. This means that if lightning damages these devices, and consequently, there is damage to the home, the insurance would typically cover it. This acknowledgment of resultant damage highlights the policy's purpose to protect a homeowner from direct consequences rather than just the initial cause of damage.

Understanding these nuances is vital for interpreting fire policies, especially regarding what is and isn't covered in terms of resultant damages from other excluded events.