Study 9 - Commercial Property Exposures Flashcards

1
Q

What is COPE?

A

Construction
Occupancy
Protection
Exposure

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2
Q

What are the additional perils recognized?

A

SWILER

Smoke
Windstorm/hail
Inpact from aircraft, spacecraft or land vehicle
Leakage from fire protective equipment
Explosion
Riot
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3
Q

What are the common items reviewed under Construction?

A

Material type
- Fire resistive, non combustible masonry, masonry, brick veneer

  • Building age
  • Buildin size
  • Material quality & workmanship (fire barriers)
  • Interior finish and insulation
  • Concealed spaces
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4
Q

What makes a building fire resistive?

A

Walls, floors and roofs are constructed with masonry or steel beam material

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5
Q

Explain the three different ranges of building age

A

15 years or newer
Typically in very good condition

16 to 40 years
Acceptable lifespan, as long as maintenance has been completed

40 years or older
Deterioration can produce cracked wiring, plumbing deficiencies, settling of foundation and roof leaks

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6
Q

What is considered a high rise building?

A

Taller than the firefighting in the town can handle

Typically buildings over six stories

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7
Q

What are the five elements of fire barriers?

A

Fire division
(seperation between two buildings)

Fire walls
(fire resistive rating of three to four hours)

Fire cut offs
(low ratings, act to slow down the fire)

Fire stops
(elements used to delay spread of fire in concealed spaces, internal walls in attics, above ceilings or around electrical conduits)
Fire dampers
(movable metal plates in a duct or flue arranged to automatically interrupted air flow and restrict the passage of heat and smoke)
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8
Q

What are the common items reviewed under Occupancy?

A
  • Activities and operations
  • Contents
    (Non combustible, limited combustibility, combustible, free burning, rapid or flash burning)
  • Housekeeping and maintenance
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9
Q

Why is occupancy information useful?

A
  • Helps identify hazard and the presence of controls
  • Assists in risk selection
  • Helps identify correct occupancy line
  • Assists in risk pricing
  • Key factor in estimating contents susceptible to loss
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10
Q

What are the characteristics of contents that are susceptible to rapid or flash burning?

A
  • Burn with a great intensity
  • Spontaneously ignite and are difficult to extinguish
  • Give off flammable or explosive vapours at ordinary temperatures
  • As result of industrial process, produce large quantities of dust or other finely divided debris
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11
Q

What are the common items reviewed under Protection?

A

Fire protection:

Public protection: water supply, fire department, fire safety control, fire service communications
Private protection detection: automatic fire alarm systems, security guard services
Private protection extinguishment: fire extinguishers, sprinkler systems

Theft protection:

Public protection

Private protection: building construction, lighting, locks, doors, windows, fencing, burglar alarm systems, security guards

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12
Q

What is FUS?

A

Fire Underwriters Survey

National organization that provides data on public fire protection for fire insurance stat work and underwriting purposes of subscribing insurance companies

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13
Q

What is PFPC?

A

Public Fire Protection Classification

Used by FUS, scale of 1 to 10, also known as “town grades”

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14
Q

What are the major grading features that make up PFPC?

A
  • Water supply
  • Fire department
  • Fire safety control
  • Fire service communications
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15
Q

What are factors that increase the reliability of a water supply?

A
  • No shortages during periods of peak demand
  • Type of water source (reservoirs, elevated water tanks, rivers)
  • Adequacy of pumps
  • Age and size of piping
  • Types of water lines
  • Number, location and condition of fire hydrants
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16
Q

What are the three types of protection and how are they defined?

A

Protected - fire hydrant within 300m, full time fire department within 5km

Semi-protected - no hydrant, full time fire department within 5km

Unprotected - no hydrant or fire department

17
Q

What are the basic types of alarms?

A

Local, auxiliary, remote, proprietary & central station

18
Q

What are the two main types of fire extinguishers?

A
  • Standpipe & hose systems
  • Portable fire extinguisher
  • Sprinkler systems
19
Q

What are the classes of fires and their extinguishing agents?

A
A - anything that leaves ash
B - anything in a barrel, gas, oil, etc
C - current
D - for "ding" things
K - kitchen
20
Q

What are the different types of sprinkler systems?

A

Wet pipe
- Piping consistently filled with water, immediately discharges when sprinkler head opens from fire melting the fuse

Dry pipe
- Initially filled with pressurized compressed air, valve also opens to fill system with water

Pre action
- Must be operated before use

Deluge
- Sprinklers open at all times, connected to a dry pipe connected to main water supply

Antifreeze loop
- Protects areas prone to freezing

Foam water
- Foam concentrate and water supply

21
Q

What are the three types of locks?

A

Spring latch
- Very poor protection, opened with a credit card

Dead latch
- Minimal protection, latch can be forced

Dead bolt
- Needs a key to lock, unlock, the best protection, cannot be forced

22
Q

What are the common items reviewed under Exposure?

A

FIRE

  • Adequate seperation
  • Openings in the exposing building
  • Height of the exposing building
  • Private protection of the risk
  • Explosion possibilities
  • Wind conditions
  • Grass and vegetation

BURGLARY

  • Location
  • Character of merchandise
23
Q

What is a common exclusion of smoke?

A

Agricultural smudging and industrial operations

24
Q

What does windstorm/hail not include?

A

Waves, floods, weight, pressure or melting of ice/snow

25
Q

What does the explosion extension cover?

A

Beyond natural, coal & manufactured gas

Such as mechanical, chemical or electrical explosions

26
Q

What is a building with floors and roof assemblies constructed of masonry, steel beam, or other fire-resistive materials is considered?

A

Non-combustible masonry

27
Q

What is a building with walls, floors and roof assemblies constructed of masonry, steel beam, or other fire-resistive materials is considered?

A

Fire resistive

28
Q

What is a building with walls constructed of masonry or other fire-resistive materials is considered?

A

Masonry

29
Q

What is a building with walls, floors and roof assemblies made of combustible materials?

A

Brick veneer