Page 87 - Fire Insurance Ebook IC 57

The Insurance Times

Exposure

Exposure hazard arises due to closeness of the exposed property to
adjoining premises from which a fire may spread and/or loss or damage
from fire, smoke, heat, water or breakage may result.

The three main factors in the consideration of exposure
hazard are:
(i) Constructional features

All forms of non-standard construction in walls and roofs may
pose exposure hazard

(ii) Distance from other buildings

In case of adjoining buildings and of the same height, the main
risk is of roof exposure
In case of non-adjoining buildings the hazard is less but still if the
fire is big chances of a spreading to that building do exist.

(iii) Conditions existing between buildings

Although two buildings stand some considerable distance apart,
it cannot be assumed that there is no exposure hazard without
consideration of the conditions existing between the buildings.

Height :

The hazard of height is to be distinguished from that of size.

A storied building is inferior to a shed structure from
hazards point of view because of the following reasons :-

(i) A fire on a lower floor tends to spread more easily and rapidly
upwards. A fire in the ground storey therefore tends to involve

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