Losses due to fires can be divided into "direct losses" covering damage to the premises, its content, injuries suffered by occupants or others and other fatalities (if any). At times these losses may spread to adjacent premises. In addition there may be "indirect" or "consequential" losses such as lost opportunities, idling equipment and personnel, costs of reconstructions and resumption of activities, medical costs, public liabilities, pain and trauma.Experience shows that in case of major fire and other loss incidents the total magnitude of indirect losses are much larger than direct visible losses.
Generally "causes" of fire are attributes to source of heat. Thus Fires Causes have been listed as:-
Electrical Arcs & Sparks
Welding and cutting
Runaway chemical reaction
incendiary or Melacious