Fire Loss Claim under BAP

The insured's vehicle was hit by molten metal thrown from a passing train causing the rubber around the windshield to smolder and melt; the windshield also cracked and the paint on the hood was burned and there was soot damage to the hood. We think this is a comprehensive loss, but is it a loss caused by a falling object or missile or a fire loss? Under our business auto policy, the deductible can be waived for a fire loss.

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