Fire is characterized by the presence of visible flames or actual ignition, and it often involves the production of heat and light. Heat and light alone, without the presence of flames or ignition, do not qualify as a fire for the purposes of most fire insurance policies.

All natural calamities like Storm, Lightening, Rain, Hail, Cyclone, Flood, Earthquake also come under FIRE insurance policies. The Fire Surveyor assesses and advises the protections and loss prevention measures and also checks immediate actions from aggravation of further losses.
An Insurance surveyor is a professional who is responsible for accurately measuring and assessing such losses and also advises on safeguards against unprotected loss possibilities and to take measures to prevent further losses in case of an unfortunate eventuality..