House fires are often caused by simple catalysts, such as a burning candle or a forgotten pan sitting on the stove. The resulting blazes can cause can a wide range of damage. If you've been involved in a house fire, here's what you should know about the classes of fire damage and how insurance companies divide them into categories. 

How Is Fire Damage Classified?

Insurance companies, restoration businesses, fire extinguisher companies, and others use the alphabetic class system to categorize fire damage. The classes and their meanings are as follows:

  • Class A: damage involving solids, plastics, rubber, paper, wood, and cloth
  • Class B: harm from flammable solids that turn into liquids, such as gasoline, oil, and paint
  • Class C: destruction from gases, including hydrogen, propane, butane, or natural gas
  • Class D: damage from other types of gases, such as sodium, magnesium, and potassium
  • Class E: harm from items in classes A and C but paired with electrical factors
  • Class F: destruction from cooking oils and gases; these substances burn at a hotter rate than others, so they are categorized on their own.
fire damage

Fire damage remediation plans vary, depending on the source of the blaze and how badly the site was impacted. As long as you know the source of the fire, these classes provide insight into how a professional will classify the destruction. 

How Else Do Insurance Adjusters Categorize Damage?

Beyond classes, insurance companies separate fire destruction into two types. First, there's primary damage. This category includes any items or structures that are ruined by direct contact with flames. 

Next, there's secondary damage, which covers any possessions or structures that are indirectly affected by the disaster. This would include smoke damage, household items that get ruined by water while the fire is being put out, or possessions that are destroyed by corrosive substances in the home. Almost any form of damage that occurs during a blaze can fit into one of these two categories, so it's essential to take stock of your entire home after a fire. 


If you've experienced a house fire, turn to Serclean for prompt and effective remediation help. This Savannah, GA, restoration company can assist with fire damage, mold removal, and water damage. They're EPA-certified with more than 25 years of experience and will return your home to a safe living condition as soon as possible. View their fire services online or speak with a representative at (912) 459-1981.