(a) In insurance. The injury or damage sustained by the insured in consequence of the happening of one or more of the accidents or misfortunes against which the insurer, in consideration of the premium, has undertaken to indemnify the insured. 1 Bouv. Inst no. 1215. Actual loss. One resulting from the real and substantial destruction of the property insured. Constructive loss. One resulting from such injuries to the property, without its destruction, as render it valueless to the assured or prevent its restoration to the original condition except at a cost exceeding its value. Direct loss by fire is one resulting immediately and proximately from the fire, and not remotely from some of the consequences or effects of the fire. Loss of consortium. See Consortium. Partial loss. A Joss of a part of a thing or of its value, or any damage not amounting {actually or constructively) to its entire destruction; as contrasted with total loss. Partial loss is one in which the damage done to the thing insured is not so complete as to amount to a total loss, either actual or constructive. In every such case the underwriter is liable to pay such proportion of the sum which would be payable on total loss as the damage sustained by the subject of insurance bears to the whole value at the time of insurance. 2 Steph. Comm. 132, 133; Crump. Ins.