Which is a form of secondary loss?

Water damage is categorized as a form of secondary loss because it occurs as a result of efforts taken to control and extinguish a fire. When firefighting operations are conducted, firefighters often use water or other extinguishing agents that can inadvertently lead to damage of property that was not affected by the fire itself. This damage can include the destruction of walls, flooring, personal belongings, and structural components as a result of the water applied during firefighting efforts.

In contrast, burnt combustibles represent primary loss directly resulting from the fire's flames, while injuries sustained after extinguishment refer to incidents that occur post-fire, typically linked to human factors in the aftermath. Electrical overload is not typically a consequence of a fire incident but rather a potential cause of fire. Therefore, water damage effectively exemplifies secondary loss in the context of firefighting operations under the NFPA 1001 standard.