If a burning log rolls onto a rug, how is the loss classified?

The classification of the loss as "hostile fire" is appropriate because it refers to fire that escapes its intended boundaries or use, resulting in unforeseen damage or destruction. In this scenario, the burning log, which is inherently a fire, rolls onto the rug and ignites it. This is not a controlled or intended use of fire, but rather an uncontained situation where the fire spreads to a new target (the rug) that is not meant to be exposed to fire.

This concept is critical in insurance, as the way a fire is categorized can affect coverage and claims. Hostile fire is typically covered under fire insurance, as it encompasses incidents that lead to unintended damage to property. The other options, while they may represent various types of fire situations, do not accurately reflect the nature of the incident described in this scenario.