According to Salesi, the best insurance coverage is spontaneous combustion. This coverage compensates for damage to grains caused by high temperatures and quality changes in the grains. It is worth noting that due to the high risk of spontaneous combustion, insurers’ obligations for damage caused by the realization of the aforementioned risk are limited. Therefore, the best thing to do is always to prevent damage.
Hence, the appropriate solution is to eliminate the factors involved in the realization of the risk of spontaneous combustion, including humidity and high temperatures of the stored product.
Of course, it seems that the owners of warehouses (silos, sheds, etc.) have an important responsibility due to the requirement to observe technical points in constructing a suitable place for storing grains and making it available to the owners of the goods (grains). Therefore, in the event of damage resulting from defects in the warehouses, their responsibility towards the owners of the goods is established.
