Page 89 - Fire Insurance Ebook IC 57

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used for the purpose of manufacture, the premises is not used for
deposit of any goods or merchandise.
n In case of a silent risk, a fire which develops inside will remain
unnoticed for a considerable amount of time since there would be
no one around to detect it. Whereas in the case of a godown risk
in a manufacturing concern, detection of fire will be earlier as
there will be always someone or the other present.
n An additional rate is charged for such buildings and / or their
contents.

Hazards arising from goods :

The Tariff classifies goods into hazardous and extra-hazardous
1. Ease of Ignition: Eg. vegetable fibres and natural and synthetic

yarns, there is a possibility of a severe ignition hazard

2. Speed and Intensity of burning : The speed and intensity of burning
is often dependent on the manner in which materials are stored.

3. Method of Packing : The method of packing is very important in
determining the potential fire hazard of a material e.g. hessian
wrappings and sacks are in themselves hazardous and conducive
to rapid spread of fire.

4. Explosion: Substances which by their nature or by their method
of storage can cause explosions are included.

5. Contamination: Some materials, like organic chemicals, can evolve
excessive amount of smoke and noxious fumes when involved in
a fire, and can lead to the contamination of goods not actually
involved in a fire.

6. Interaction with other materials: Many material are not itself

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