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One of the perils specified in the Perils Clause in an insurance policy. It includes not only direct damage by flames, but also indirect damage incurred from smoke, or damage from water or chemicals used to extinguish the fire. The definition does not extend to cover spontaneous combustion.

In many states, a Fire Investigator's license is required to determine the official Cause and Origin of a fire. In these instances, the Surveyor is expected to work with the Fire Investigator, providing technical assistance.

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