Which term refers to a fire that causes damage that is intentional?

The term that refers to a fire causing damage that is intentional is "Hostile Fire." A hostile fire is characterized by being uncontrolled and destructive, typically resulting from someone deliberately starting a fire or allowing a fire to escape its intended boundaries. This differs significantly from other types of fires, as the intent behind a hostile fire distinguishes it from those that occur accidentally or as part of controlled activities.

In contrast, terms like insured fire, controlled fire, and accidental fire imply different contexts. An insured fire generally refers to fires that are covered under an insurance policy, regardless of the cause or intent. A controlled fire, such as a campfire or a fire set for agricultural burning, is intentionally set for a specific purpose and managed to prevent it from spreading. Accidental fire refers to unintentional fires that occur without deliberate intent to cause harm. Understanding these distinctions is important in the context of insurance and risk management, as they have different implications for coverage and liability.