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In insurance terms, fire is typically defined as combustion or rapid oxidation accompanied by heat and light. This definition captures the essential characteristics of fire, highlighting the process of combustion, which involves a chemical reaction between a combustible material and an oxidizer, usually oxygen. This reaction is typically rapid, leading to the release of energy in the form of heat and light, hence the terms "heat" and "light" being integral to the definition.

Understanding this definition is crucial for claims adjusters, as it provides a clear basis for assessing damages and determining coverage in fire-related incidents. Insurance policies often specify coverage based on this understanding of fire, and being able to identify what constitutes fire helps adjusters accurately evaluate claims related to fire damage.

While the other options mention aspects of fire, such as byproducts like smoke and ash or the broader notion of chemical reactions, they do not encapsulate the specific definition used in the insurance context. Recognizing the focus on the combustion process helps delineate between what is considered fire under an insurance policy versus other related phenomena.