Page 98 - Fire Insurance Ebook IC 57

Fire and Consequential Loss Insurance

premises.

Q3. What are the hazards arising from
construction?

Ans. The hazards arising out of construction depends on
two factors, fire load and fire resistance. Fire load is
defined as the quantity of heat liberated per unit of
floor area, where a building and its contents are
completely burnt. The term Fire resistance gives the
time span during which a construction offers
resistance to a standard fire.

On the basis of Fire load, there are three main
classes of occupancies :
(a) Low fire load - Residential premises, offices, hotels

etc.

(b) Moderate fire load - Retail shops and factory
buildings and

(c) High fire load - Bulk storage godowns and
warehouses.

There are several other classifications based on

Sashi Publications - www.sashipublications.com 111

Copyright@ The Insurance Times. 09883398055 / 09883380339