WSRB's commercial property analysts inspect a wide variety of facilities, including warehouses, manufacturing plants, hotels, hair salons, dry cleaners and restaurants. The people running the businesses we inspect often have questions about what we look at, so in this blog post, we answer some of those questions with an inside look at a restaurant inspection.Read More
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.
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.Read More
When designing a sprinkler system for a building, many factors come into play. The right design for one facility might not be at all right for another.
What matters to sprinkler system design?Read More
Rack storage in warehousing facilities can present a complicated fire risk. From the types of products being stored to the height of the storage, many factors need to be addressed to properly understand these risks. While this is not a comprehensive guide, it will help you identify common issues with rack storage the next time you’re walking through your customer’s business.Read More
The decision to rate a lower level as a basement instead of a first floor can mean the difference between treating a building as class rated or specifically rated. For an insured, this can have an effect on how their premium is calculated. However, the distinction isn’t always obvious, especially in the hilly Northwest.
Here is a quick guide to how we treat lower levels in our loss cost reports:Read More
Over the past several decades, microbiologically influenced corrosion (MIC) has been an increasingly frequent problem for owners of both wet and dry automatic sprinkler systems.
This corrosion occurs when bacterial microbes accelerate the natural corrosion (rusting) of metal piping, causing pin holes, accumulation of sediment and obstructions within the systems. The presence of oxygen, metal, nutrient-rich water and minerals within sprinkler systems creates a perfect environment for bacterial microbes to thrive.
The result? Water flow is decreased or even completely blocked in the event of a fire, rending the sprinkler system ineffective.Read More
The job of insurance field and loss control inspections professional is not always a popular one. Field Inspectors are often confronted with opposition from home or business owners who may not fully understand the role of inspections and loss costs in the insurance underwriting process. Many insureds believe that their insurance company is sending someone to check up on them or to look for reasons to raise their rates.
WSRB evaluates automatic fire sprinkler systems for fire insurance rating credit according to our filed rating schedule. In order to ensure a system is properly designed for the occupancy, is being adequately maintained for insurance purposes and was properly installed, we need the following:Read More
You’ve asked all the right questions and collected all the filled-out forms. You may even know the building, but do you really know what’s going on inside and around the buildings you insure? It’s impossible to account for every possible situation and condition applying to a building through questions, conversations and building history and data.Read More