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  その理由は、戦争や内乱、原子力発電所事故などのケースと同じく、発生率や損害規模を予測することが難しいからだ。戦争や原子力発電所事故などについては、損害の程度や範囲、発生する割合なども予測ができないので、保険金の支払いを義務付けてしまうと保険会社の運営を危うくするため、免責事由とされている。
  どのような場合で火災保険金が受け取れないのかは、保険のパンフレット（重要事項説明書）や約款、保険証券などに詳しく書いてある。例えば、「窓枠が古くなって隙間から雨水が侵入してきた」という場合だ。
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