Presentation on theme: "Fire Remediation Presented By Kathy Marshall – WRT, ASD, CLM and FRT CE Provider # 273024 Class # 28165 73 rd Annual Convention June 5-7, 2014 San Diego,"— Presentation transcript:
Fire Remediation Presented By Kathy Marshall – WRT, ASD, CLM and FRT CE Provider # 273024 Class # 28165 73 rd Annual Convention June 5-7, 2014 San Diego, California
Emercon Construction has been serving the Insurance Industry since 1987 Specializing in Water, Fire, & Mold Damage, and Re-Construction on Commercial & Residential Properties Preferred Vendor for Most Insurance Companies, Fireman’s Fund, Liberty Mutual, Hartford, CIG, Safeco, AIG, Travelers and many more.
2012 Fire Statics by NFPA www.NFPA.org 1,375,00 - Fires were reported in the U.S. during 2012 – 1% decrease from 2011 480,500 – Were Structure Fires- decrease of 0.8% 172,500 – Vehicles Fires 692,000 – Were Outside and Other – slight increase of 0.9% from 2011 $9.8 Billion in direct property damage 2012 The Fire Department responds to a fire every 23 seconds in the U.S.
2012 Fire Loss Time Clock One structure fire was reported every 66 seconds One home structure fire was reported every 85 seconds One vehicle fire was reported every 156 seconds One civilian fire death occurred every 3 hours and 4 minutes
So What is Mitigation Mitigation – (Dictionary)To make less severe; to soften, to make more bearable Mitigation – (Contractor) The necessary steps to preserve and protect the property from further damage
What is the Goal Preserve & Protect the Property from further damage Health & Safety for everyone is the primary goal Board-up the Property/Vandalism Control Secondary Damage Shore up, ceiling, roofs and tarps
So what are the Benefits of Mitigation Damage doesn’t spread Lower loss cost Improve customer service perception Customer retention Customer referrals Improved loss ratio
What is the Goal of the Fire Department Goals and Concerns of the Fire Department Save Lives Protect Surrounding Properties Save this Property And the contents
Mitigation to Make Less Severe Psychological damage Smoke damage Fire/Burn/Combustion Physical hazards Hazmats Open files Poor loss rations Lost clients Let’s look at each of the effects
Psychological Damage After an emergency we all tend to get a bit lost. Most of us will never have to live through a fire but we’ve all been touched by some kind of disaster and understand how hard it is to focus after a terrible thing has happened. Every insurance professional should be working toward helping make the policyholder whole in every sense of the word.
Smoke Damage Air volume doubles for every 10 degree rise in temperature. As the heat increased the pores in materials open and smoke/odor molecules are driven into surfaces.
Fire/Burn/Combustion Two types of fires. - Simple - Complex Two types of burns. -Chemical -Heat Two types of combustion. -Complete -Incomplete
Physical Hazards Are there holes burned in the floor? Are the overhead rafters still structurally sound? Is the floor wet and slippery? Is the fire still smoldering? Did anything burn that may cause contaminants?
Hazmat What burned? Plastics and other materials that are commonly found have toxic fumes. What’s in your house?
Open Files An adjusters perspective: Adjusters are bombarded by new claims on a daily basis. There are approximately 17,000 claims per day in the US. That’s 340 claims per day/per State.
Poor Loss Ratios Everyone's Perspective: If loss ratios are not balanced everyone in the system ends up losing. Carriers won’t be profitable. Agencies will lose money. Adjusters will have to re- examine files. Policy holder will pay increased premiums.
Lost Clients The agents perspective: -What does the policy holder buy? -When do you lose policies? -How do you avoid it?
Four Factors of Fire Mitigation Time Humidity Temperature/pressure Type of combustion materials
Within Minutes Within Minutes: acid and oily residues coupled with high temperatures may cause discoloration to plastic surfaces. Within Hours: Acid residues will stain grout, fiberglass, Formica counter tops and appliances begin to yellow. Finishes on furniture will discolor. Within Days: metal becomes corroded and pitted, walls yellow permanently Within Weeks: Crystal, glass and china may be permanently damaged. Carpet fibers yellow.
At Risk Surfaces Metal and glass surfaces Faucets Towel bars Aluminum window frames Chrome trim Marble Porcelain Tile/Grout China Crystal
Emergency Cleaning Also called a pre-clean The goal: Neutralize the acid residue Use a surfactant agent Or cooking oil Protects surfaces and reduce claims costs.
Safety Concerns Lead paint in older building – before 1979 Mold The need for respiratory protection Ventilation HEPA filters Air scrubbing equipment Smoke particulates
How much can be saved by doing an emergency per-clean?