Historically, untreated buildings that experience a high intensity fire can experience a setback of up to 24 months. Time lost due to fire is a product of the progress at time of fire, the extent of the damage, as well as other factors such as insurance responsiveness and investigation lead time. This ties up your most important non-renewable resource: time. Furthermore, it ties up working capital and imposes an opportunity cost penalty, sacrificing returns and impacting your balance sheet.