Difference between 'Action of Light' & Lightning under IAR policy



'Action of light' and 'Lightning' are two different perils all together.
Lighting is considered as act of God which is covered not only in IAR policy but also in Standard fire policy but damage to property due to action of light is something which is excluded under IAR policy.

In case some property is lying in open and due to action of direct sunlight, if the property of substance gets changed, such loss or damage to insured property will not be paid. 


For example if stocks of spices is stored in open and due to direct action of Sunlight its flavor is gone with the result, its market value deteriorates. In such a situation, although there a loss to the owner of such property, same would not be payable under IAR policy.

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