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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, Hazards

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

One Size Sprinkler System Does Not Fit All

Posted by Robert Lacy on May 9, 2016

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? 

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Topics: Automatic sprinkler systems, Inspections

Warehouses: Storage Issues You Should Know

Posted by WSRB on June 11, 2014

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.

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Topics: Automatic sprinkler systems, Inspections

So You Thought That Was a Basement?

Posted by WSRB on February 12, 2014

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:

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Topics: property risk inspections, Building Construction, Inspections, Insurance loss cost inspections

Microbiologically Influenced Corrosion (MIC) in Automatic Sprinkler Systems

Posted by WSRB on December 17, 2012

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. 

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Topics: Automatic sprinkler systems, Inspections, Home Fire Protection

Educating Clients about Insurance Loss Costs and Loss Control Inspections

Posted by WSRB on November 12, 2012


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.

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Topics: Insurance underwriting, loss cost, property risk inspections, Inspections

WSRB Sprinkler Rating

Posted by Robert Lacy on September 24, 2012

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:

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Topics: Automatic sprinkler systems, Insurance underwriting, Inspections

Why Field Reports Are Important

Posted by WSRB on August 27, 2012

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.

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Topics: Insurance underwriting, loss cost, Field inspections, Inspections

Restaurant Suppression Issues: Suppression System Nozzle Caps

Posted by WSRB on April 26, 2012

One of the most common items we find in restaurant suppression systems that cause a loss of credit is the lack of or removal of the caps on the extinguishing system spray nozzles.

Cooking vapors carry oils and grease as they rise. The hood and vent system draws these vapors up, cleans them and exhausts them out the roof fan system. In between the filter and the cooking are fire extinguishing system spray nozzles.

The actual spray nozzle opening is very small and designed to cover a certain area with fire extinguisher. To keep the opening from partially or completely clogging, the system is delivered with a small cap that pops off when the system is triggered.

Removal of this cap or failure to replace it if it is dislodged will compromise and defeat your client's system, causing loss of suppression credit, not to mention your customer's business.

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Topics: loss cost, property risk inspections, Inspections, Commercial Kitchen Safety