A few weeks back, the Wall Street Journal featured a story which triggered the chilling sensations and forebode of an unseasonably cool August day in Seattle: imminent dark mornings, umbrellas, zipped-up collars, and wiper blades. Against a photo of an FBI team leaving the office of a New York state apartment developer, the piece detailed clever tactics of deception, seemingly from our past financial nightmare of mortgage loan debacles.Read More
A Confidence Test is the common name of the annual inspection, testing, and maintenance of the sprinkler system. Some tests are commonly done once a year as part of the Confidence Test (such as the main drain or local alarm test). Others are performed less frequently but are just as important (such as a trip test using the inspector’s test outlet for a dry system or an internal pipe inspection). When operated, properly maintained sprinkler systems are effective 96% of the time, according to the NFPA.
Among the required automatic sprinkler tests WSRB requires are: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
October 6–12 is National Fire Prevention Week and this year’s theme is Preventing Kitchen Fires. While smoking remains the leading cause of residential home fire deaths, cooking is the leading cause for injuries and fires. According to the NFPA, two out of every five home fires start in the kitchen! Prevention is key and knowing how to put out different types of fires can go a long way.Read More
The end of the construction class road is learning how to handle mixed construction. It’s common to see buildings of varied construction types all over Washington. Some buildings are built using different construction methods, while others are added on to over time. As someone trying to learn construction classes it’s important to understand the ground rules before diving into mixed construction classes. And if you need a reminder, you can find our articles on Construction Classes 1, 2, 3, 4, 5, and 6 by following those links.Read More
We’ve reached the end of the construction class road! Fire-resistive construction is perhaps the most expensive and is best and most commonly used in high-rise buildings. As the name would imply, it resists fire the best of all of the construction classes, but resisting fire doesn’t necessarily mean it will remain structurally sound at high enough sustained heat. Construction Class 6 (CC 6) buildings are designed to resist the heat of a fire for at least 2 hours (R.2 hours).
“Buildings where the exterior walls and the floors and roof are constructed of masonry or fire-resistive materials having a fire resistance rating of not less than 2 hours.” Commercial Lines Manual, Rule 15.B.6
Exterior Walls or Exterior Structural Frame:Read More
Owning a commercial building or business means having to stay on top of safety issues that you may not otherwise encounter. If you have employees or customers coming in and out of the building, you have the added responsibility of protecting them from unsafe practices as well. During our commercial property inspections, our field reps encounter all kinds of unsafe conditions and fire hazards that affect insurance loss costs. Here are our top 10:Read More
Facts about apples from the Washington Apple Commission and how controlled atmospheric (CA) warehouses can preserve this commodity for year-round enjoyment:
- About 2,500 known varieties of apple are grown in the USA.
- More than 7,500 varieties are grown worldwide.
- In 2012, the average US consumer ate ~20 pounds of apples.
- The only apple native to North America is the crabapple.
WSRB offers Commercial Property Inspections and accompanying reports to all of our Subscribers at no additional cost. There is no limit to the number of inspections you can order and you will never be charged additional fees for ordering more inspections.
These reports include a physical inspection of the property, specific or class-rated loss costs (as appropriate), a diagram of the property including distance to exposing buildings and hydrant locations, photos of your building as well as exposing buildings and hazards found, and a premises report detailing any conditions found by the inspector that may be of concern.Read More
My job can be difficult to explain to people outside of the insurance industry. Whenever I meet someone new, they will invariably ask, “So, what do you do for a living?” Generally, I tell them that I inspect commercial properties for fire insurance companies. On one particular occasion, someone then followed up with, “What do those diamonds on flammable liquid containers mean?” The answer is a long one, but certainly helps to make my job quicker and easier.Read More