Fire Damage
Updated: 09 June 2023
What Does Fire Damage Mean?
Fire damage refers to the physical damage to a property as a result of burning. This damage may either be directly caused by the flames or could occur due to smoke and other corrosive substances emitted by the fire.
In terms of insurance, fire damage is one of the types of coverage offered in property insurance.
Insuranceopedia Explains Fire Damage
The six types of fire damage are as follows:
- Class A: fire that involves flammable solids, such as paper, cloth, wood, and plastics.
- Class B: fire that involves flammable liquids or solids that can turn into liquids.
- Class C: fire that involves flammable gasses, such as propane, hydrogen, natural gas, and butane.
- Class D: fire that involves combustible metals, including sodium, magnesium, and potassium.
- Class E: fire that involves factors in Class A and B as well as electrical elements.
- Class F: relatively hotter and more destructive fire that involves cooking oils and fats.
Furthermore, many insurance companies divide fire damage into two categories: primary and secondary. The former refers to damage caused by the flames, while the latter refers to damage caused by smoke or other substances from the fire.
Related Definitions
Related Terms
Related Articles
5 Important Measures to Minimize the Effects of House Fires
Fireplaces and Wood-Burning Stoves: How to Use Them Safely and Keep Your Home Insurance Costs Manageable
Homeowner’s Insurance in the Wildland-Urban Interface
Insurance Self-Service Portal: The Future of Customer Experience
Blockchain’s Impact on Transforming the Insurance Landscape
What Every College Student Should Know About Renters Insurance
Related Reading
What Students Need to Know About Insurance Coverage During Internships
A Roadmap for Students Interested in the Insurance Industry
Strong Identity Verification in the Insurance Sector
How to Avoid Online Insurance Scams
How to Get Into the Insurance Industry With a Finance Degree
The Role of Insurance in Protecting Educational Investments