Which of the following is NOT an example of a hazard?

A fire in the kitchen of a home represents a dangerous event that is the result of various hazards, rather than being a hazard itself. In insurance and risk management, a hazard is often defined as a condition or situation that increases the probability of a loss occurring.

In the context provided, trash or debris in the basement, faulty wiring, and a broken step or hand railing are all conditions that could lead to accidents or property damage. They increase the risk of loss or injury because they create unsafe situations. However, a fire in the kitchen is the actual incident that occurs due to underlying hazards, such as poor cooking practices, flammable materials, or appliances malfunctioning.

Therefore, identifying a fire as the correct answer highlights the differentiation between an event resulting from hazards and the hazards themselves that contribute to those potential events.