Communalism Definition

"collective antagonism organised around religious, linguistic or ethnic identities"

Mitigation of loss

This principle states that if a person does not take all the required steps to mitigate or minimise damage to an insured item, the insurer will not pay for the loss arising out of neglect.
Under the principle of mitigation of loss, the insured needs to try his best to prevent damage to the insured item to get compensation, but he is not bound to risk his life in the process.