Fire Damage

What Does Fire Damage Mean?

Fire damage refers to the physical destruction of property caused by burning. This damage can result directly from flames or indirectly from smoke and other corrosive byproducts of the fire.

In the context of insurance, fire damage is a specific type of coverage included in property insurance policies.

Insuranceopedia Explains Fire Damage

The six types of fire damage are categorized as follows:

• Class A: Fires involving flammable solids like paper, cloth, wood, and plastics.
• Class B: Fires involving flammable liquids or solids that liquefy when heated.
• Class C: Fires involving flammable gases such as propane, hydrogen, natural gas, and butane.
• Class D: Fires involving combustible metals, including sodium, magnesium, and potassium.
• Class E: Fires involving Class A and B materials combined with electrical elements.
• Class F: Extremely hot and destructive fires involving cooking oils and fats.

Additionally, fire damage is often classified into two categories by insurance companies:

• Primary damage: Directly caused by flames.
• Secondary damage: Caused by smoke or other byproducts of the fire.