definition
strict definition
damaged by fire
Fire or smoke in a structure or its vicinity degrades, damages, or destroys any of the structure's components.
A structure is damaged by fire when any of its components are degraded, damaged, or destroyed by a fire or smoke in the structure or its vicinity.
Damage from smoke is included even when flames do not reach the affected component. The fire can originate outside the structure if it causes damage within the scope of the event.
The cause is fire or smoke; the definition does not require an accidental ignition. Damage by vandalism expressly excludes arson.
