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Robert Lacy

Robert is the VP of Inspection Services for WSRB. He leads his team with cunning and wit; ensuring professionalism but also having good hearted fun and a little mischief.
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Recent Posts

Mezzanine vs. Floor — What's the Difference?

Posted by Robert Lacy on February 5, 2020

Some architectural terms — like lobby and foyer or house and home — are different terms for the same thing. But the same can’t be said of mezzanine and floor. Yes, there’s a difference, and that difference is important for property insurance purposes.

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Topics: building construction, insurance

One Size Sprinkler System Does Not Fit All

Posted by Robert Lacy on January 29, 2020

The presence of an automatic fire sprinkler system often reduces advisory loss costs by as much as 50%, and in some cases even more. That makes it possible for insurers to offer customers a premium discount. Sometimes, though, a WSRB inspection gives a sprinkler system a lower mechanical grading than the agent or underwriter expected, reducing the amount of the available discount. 

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Topics: automatic sprinkler systems, inspections

Commercial Buildings: Top 10 Risk Issues

Posted by Robert Lacy on November 6, 2019

WSRB’s commercial property analysts inspect hundreds of buildings each year for Subscribers. When they’re in the field, our inspectors encounter all kinds of risky conditions and fire hazards that affect insurance loss costs.

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Topics: insurance underwriting, loss cost, property risk inspections, insurance

The Mystery of the Missing 13th Floor

Posted by Robert Lacy on September 10, 2019

This Friday is the 13th, so we've updated one of our most popular blog posts. Read on to learn more about why so many buildings don't have a 13th floor.

Throughout history, the number 13 is associated with bad luck and a sense of impending doom. There’s even a term for extreme fear of the number: triskaidekaphobia which if you try to say that out loud, it might be unlucky for your tongue.

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Topics: building construction

Soft Stories and Earthquakes

Posted by Robert Lacy on December 18, 2018

Sit down and get comfortable, because it’s time to hear a soft story. This story does not feature princesses, bean stalks nor giants; and hopefully, it won’t put you to sleep. It is a story that can give underwriters nightmares.

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Topics: earthquake

Do You Know Your Earthquake Classifications?

Posted by Robert Lacy on December 4, 2018

When the Big One hits, what kind of damage can you expect? While it’s up to fate as to how intense or severe the quake will be — or when it will happen — the fact is set in stone. Earthquakes can and do happen here.

 

 

In fact, Washington state is second only to California when it comes to earthquake risk, and this is reflected in our earthquake classifications.

  

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Topics: insurance underwriting, building construction, GIS mapping, inspections, insurance

Why Sprinkler Systems Fail

Posted by Robert Lacy on July 17, 2018

In the insurance industry, we consider the automatic sprinkler system one of the world’s greatest inventions. The first modern system was designed and installed in 1812, and by 1890, automated sprinkler technology more or less resembled the systems in use today.

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Topics: automatic sprinkler systems, building construction, inspections

What is an Open Foundation?

Posted by Robert Lacy on March 13, 2018

Have you ever received an WSRB inspection and noticed the building had an “open foundation?” What the heck is that? Because many people are unfamiliar with the term, we’ve made it the topic of this blog post.

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Topics: building construction

The Basics on Construction Classes – Part Six, Fire-Resistive

Posted by Robert Lacy on September 19, 2017

We’ve almost reached the proverbial top floor. Our Basics of Construction Classes series, as defined by the Commercial Lines Manual, is nearing its thrilling conclusion with Construction Class 6 Fire-Resistive (CC 6). As the name implies, this is the construction type best able to withstand the peril of fire.

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Topics: building construction, construction classes

The Basics on Construction Classes – Part Five, Modified Fire-Resistive

Posted by Robert Lacy on September 12, 2017

R-ratings are not just for movies. When talking construction classes, the term Fire Resistive Ratings — better known as R-Ratings — measure a building’s resistance to fire. They are a key component of building codes. Many entities use them, including the International Building Code (IBC), National Fire Protection Association (NFPA), Underwriters Laboratories (UL) and WSRB.

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Topics: building construction, construction classes