The named peril, fire, can manifest in various ways, ranging from Surface Burning, which merely scorches material exteriors, to Complete Structural Burning that engulfs entire structures. There are more subtle forms, like Protein Residue Fires, characterized by a distinct odor and minimal visible damage, as opposed to Complex Fires that involve a mixture of materials and yield intricate damage patterns. Lastly, Natural Fires, like wildfires, primarily consume vast natural landscapes but can also threaten man-made structures. Each type signifies a unique damage pattern and restoration need.


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