A 'bush fire' has been burning in southern Spain in the Sierra Cabrera Mountains and my Client has a house there that has been affected. So would I go and prepare a report for his insurance company, all as a bit of an emergency??? Well, OK, but as I understand the fire was caused by lightening, so an ‘Act of God’ may not be covered. We’ll no doubt say the act of God was the lightening, and then it was the fire that caused the damage It spread through the area as quick as a ‘flash’, no better not use that word, as quick as a fox with a fire just behind it…   more »