Fire or Smoke as Cause of Loss

October 19, 2009

Our insured has a CP 00 10 04 02 and the special causes of loss form, CP 10 30 04 02.
He is a doctor with an enclave sterilizer. The unit malfunctioned, overheated, melted the equipment inside, and spewed smoke that caused burning eyes to the people in the immediate area.
While the sterilizer is not covered, would the extreme heat that melted the items inside be considered a fire or smoke loss? Do flames have to be present to be considered fire?

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