Page 84 - Fire Insurance Ebook IC 57

Fire and Consequential Loss Insurance

basis of fire load. Generally, residential premises, offices,
a) Low fire load hotels, etc.

b) Moderate fire load Generally retail shops and factory
buildings.
c) High fire load
Generally bulk storage godowns and
warehouses.

External walls and hazards associated with them

Type Hazards

Brick-work/stone Tremendous amount of mechanical stress
masonry released during fire

Timber Serious fire hazard. Humour is highly
combustible

Corrugated iron It expands under the influence of heat
sheeting sufficiently to tear itself away from its
fixing, while, if water is applied to it when
red hot, it crumples.

Asbestos cement Little mechanical strength, are brittle and
sheeting disintegrate easily, sometimes with
explosive violence, under the effects of fire
and water.

Glass Susceptible to considerable exposure
hazard

Roof

The roof of a building is normally provided as a weather protection

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