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wrote:
Polycarbonate is much more resistant to heat and fire than other
plastics...however you might have a point.

In any case I don't think chipboard does a particularly good job
against fire and it is pretty useless against water.

It doesn't.
The point is to slow down the fire, to give the fire brigade time to get
there.
If the fire gets into the attic, AIUI, you stand a good chance of losing the
house, and requiring a much more total renovation than a fire contained to
one or two rooms.