Which is a form of secondary loss?

Secondary loss refers to damages that occur as a result of the fire suppression efforts rather than direct damage from the fire itself. Water damage, in this context, is classified as a secondary loss because it arises from the application of water during firefighting operations. When firefighters extinguish a fire, the water used can lead to further complications, such as damage to structures, personal property, and the potential for mold growth if not addressed promptly.

The other options can be classified differently. For example, injuries sustained after extinguishment may result from the conditions present at the scene but are not classified as secondary loss in the same contextual manner. An electrical overload can also lead to new issues but is more aligned with direct fire-related incidents rather than suppression efforts. Burnt combustibles clearly represent primary losses from the fire itself and do not fall under the category of secondary damage. Hence, water damage is the clear example of secondary loss due to the collateral effects of extinguishing the fire.