Fire and Consequential Loss Insurance - IC 57 Exam Study Notes

Fire load is defined as the quantity of heat liberated, per unit of floor area, when a building and its contents are completely burnt.
Experts have recognised three main classes of occupancies, on the basis of fire load. This also conforms to the relevant Indian Standard Specification. i. Low fire load: Generally, residential premises, offices, hotels, etc., ii. Moderate fire load: Generally retail shops and factory buildings., iii. High fire load: Generally bulk storage godowns and warehouses
The term 'fire resistance' denotes the capacity of an element to withstand heating of specific severity (standard fire), while performing its normal functions, thus restricting, the spread of fire in a building for a definite time.
To evaluate fire resistance the different components of structure that are evaluated are as follows: i. Constructional hazards, ii. Exposure hazards, iii. Height, iv. Size, v. Silent risk, vi. Hazards arising from goods, vii. Miscellaneous hazards
Exposure hazard arises due to contiguity or closeness of the exposed property (premises or buildings) to adjoining or neighbouring premises or buildings from which a fire may spread and/or loss or damage from fire, smoke, heat, water or breakage may result.

Important Points for IC 57 - Fire and Consequential Loss Insurance Exam