Slide 1

Fire Remediation Presented By Kathy Marshall WRT, ASD, CLM and FRT CE Provider # 273024 Class # 28165 73 rd Annual Convention June 5-7, 2014 San Diego, California Slide 2 A Moment of Silence Slide 3 Emercon Construction has been serving the Insurance Industry since 1987 Specializing in Water, Fire, & Mold Damage, and Re-Construction on Commercial & Residential Properties Preferred Vendor for Most Insurance Companies, Firemans Fund, Liberty Mutual, Hartford, CIG, Safeco, AIG, Travelers and many more. Slide 4 2012 Fire Statics by NFPA www.NFPA.org 1,375,00 - Fires were reported in the U.S. during 2012 1% decrease from 2011 480,500 Were Structure Fires- decrease of 0.8% 172,500 Vehicles Fires 692,000 Were Outside and Other slight increase of 0.9% from 2011 $9.8 Billion in direct property damage 2012 The Fire Department responds to a fire every 23 seconds in the U.S. Slide 5 2012 Fire Loss Time Clock One structure fire was reported every 66 seconds One home structure fire was reported every 85 seconds One vehicle fire was reported every 156 seconds One civilian fire death occurred every 3 hours and 4 minutes Slide 6 So What is Mitigation Mitigation (Dictionary)To make less severe; to soften, to make more bearable Mitigation (Contractor) The necessary steps to preserve and protect the property from further damage Slide 7 What is the Goal Preserve & Protect the Property from further damage Health & Safety for everyone is the primary goal Board-up the Property/Vandalism Control Secondary Damage Shore up, ceiling, roofs and tarps Slide 8 Insurance Claim Types Slide 9 The Largest % Approximately $20 Billion dollars in residential claims were paid out in 2012 Inattentive Behavior Children Candles Holidays *Thanksgiving *Christmas * 4 th of July Slide 10 Movie Time Slide 11 Christmas Tree Fire Slide 12 The Result Slide 13 So what are the Benefits of Mitigation Damage doesnt spread Lower loss cost Improve customer service perception Customer retention Customer referrals Improved loss ratio Slide 14 What is the Goal of the Fire Department Goals and Concerns of the Fire Department Save Lives Protect Surrounding Properties Save this Property And the contents Slide 15 Mitigation to Make Less Severe Psychological damage Smoke damage Fire/Burn/Combustion Physical hazards Hazmats Open files Poor loss rations Lost clients Lets look at each of the effects Slide 16 Psychological Damage After an emergency we all tend to get a bit lost. Most of us will never have to live through a fire but weve all been touched by some kind of disaster and understand how hard it is to focus after a terrible thing has happened. Every insurance professional should be working toward helping make the policyholder whole in every sense of the word. Slide 17 Smoke Damage Air volume doubles for every 10 degree rise in temperature. As the heat increased the pores in materials open and smoke/odor molecules are driven into surfaces. Slide 18 Fire/Burn/Combustion Two types of fires. - Simple - Complex Two types of burns. -Chemical -Heat Two types of combustion. -Complete -Incomplete Slide 19 Physical Hazards Are there holes burned in the floor? Are the overhead rafters still structurally sound? Is the floor wet and slippery? Is the fire still smoldering? Did anything burn that may cause contaminants? Slide 20 Hazmat What burned? Plastics and other materials that are commonly found have toxic fumes. Whats in your house? Slide 21 Open Files An adjusters perspective: Adjusters are bombarded by new claims on a daily basis. There are approximately 17,000 claims per day in the US. Thats 340 claims per day/per State. Slide 22 Poor Loss Ratios Everyone's Perspective: If loss ratios are not balanced everyone in the system ends up losing. Carriers wont be profitable. Agencies will lose money. Adjusters will have to re- examine files. Policy holder will pay increased premiums. Slide 23 Lost Clients The agents perspective: -What does the policy holder buy? -When do you lose policies? -How do you avoid it? Slide 24 Four Factors of Fire Mitigation Time Humidity Temperature/pressure Type of combustion materials Slide 25 Within Minutes Within Minutes: acid and oily residues coupled with high temperatures may cause discoloration to plastic surfaces. Within Hours: Acid residues will stain grout, fiberglass, Formica counter tops and appliances begin to yellow. Finishes on furniture will discolor. Within Days: metal becomes corroded and pitted, walls yellow permanently Within Weeks: Crystal, glass and china may be permanently damaged. Carpet fibers yellow. Slide 26 At Risk Surfaces Metal and glass surfaces Faucets Towel bars Aluminum window frames Chrome trim Marble Porcelain Tile/Grout China Crystal Slide 27 Emergency Cleaning Also called a pre-clean The goal: Neutralize the acid residue Use a surfactant agent Or cooking oil Protects surfaces and reduce claims costs. Slide 28 Safety Concerns Lead paint in older building before 1979 Mold The need for respiratory protection Ventilation HEPA filters Air scrubbing equipment Smoke particulates Slide 29 How much can be saved by doing an emergency per-clean? Slide 30 What about here? Slide 31 Why do you think we only cleaned the tub & faucet? Slide 32 Remember this Sink? Slide 33 Wall Coverings and Smoke Mitigation Test Clean or you might set the soot permanently! The Famous Chem Sponge Slide 34 Tools of the Trade Slide 35 Ultrasonic Cleaners Mild cleaning solution agitated with sound wages in a tank. Used to clean non-porous and/or delicate items Jewelry Ceramics Computer equipment Appliances Slide 36 Slide 37 Slide 38 Slide 39 Esporta Wash Slide 40 Dry Ice Blasting Similar to sand, aggregate or water blasting but can be very delicate. Furniture Glass Paper Structure Slide 41 Ozone Generators Used to remove odors. Normally items are stored in a sealed room with ozone generator Not safe for natural rubber Slide 42 Vapor Tek This unit uses the Vaportek patented essential oil membranes to release non-toxic, odor-neutralizing dry vapor into the air. Slide 43 Thermal Foggers Used to cover odors in areas and on items. Masks odors Slide 44 Air Scrubbers are used to remove particles in the air The are HEPA filtering devices Slide 45 Resources IICRC http://www.iicrc.orghttp://www.iicrc.org ACGIH http://www.acgih.org/home.htmhttp://www.acgih.org/home.htm ASCR http://www.ascr.orghttp://www.ascr.org OSHA http://www.osha.govhttp://www.osha.gov EPA http://www.epa.govhttp://www.epa.gov NAHB http://www.nahb.orghttp://www.nahb.org Slide 46 Thank you for attending You will receive 2-CE Credits Did you sign in and sign out?