PowerPoint Presentation

Fire RemediationPresented ByKathy Marshall WRT, ASD, CLM and FRTCE Provider # 273024Class # 2816573rd Annual ConventionJune 5-7, 2014San Diego, CaliforniaA Moment of Silence

Please take a moment to switch your phones to vibrate2Emercon Construction has been serving the Insurance Industry since 1987Specializing in Water, Fire, & Mold Damage, and Re-Construction on Commercial & Residential PropertiesPreferred Vendor for Most Insurance Companies, Firemans Fund, Liberty Mutual, Hartford, CIG, Safeco, AIG, Travelers and many more.

2012 Fire Statics by NFPAwww.NFPA.org1,375,00 - Fires were reported in the U.S. during 2012 1% decrease from 2011480,500 Were Structure Fires- decrease of 0.8%172,500 Vehicles Fires692,000 Were Outside and Other slight increase of 0.9% from 2011$9.8 Billion in direct property damage 2012The Fire Department responds to a fire every 23 seconds in the U.S.2012 Fire Loss Time ClockOne structure fire was reported every 66 secondsOne home structure fire was reported every 85 secondsOne vehicle fire was reported every 156 secondsOne civilian fire death occurred every 3 hours and 4 minutesSo What is MitigationMitigation (Dictionary)To make less severe; to soften, to make more bearableMitigation (Contractor) The necessary steps to preserve and protect the property from further damage

6What is the GoalPreserve & Protect the Property from further damageHealth & Safety for everyone is the primary goalBoard-up the Property/VandalismControl Secondary DamageShore up, ceiling, roofs and tarps Insurance Claim Types

The Largest %Approximately $20 Billion dollars in residential claims were paid out in 2012Inattentive BehaviorChildrenCandlesHolidays*Thanksgiving*Christmas* 4th of JulyMovie Time

Christmas Tree Fire

The Result

So what are the Benefits of MitigationDamage doesnt spreadLower loss costImprove customer service perceptionCustomer retentionCustomer referralsImproved loss ratioWhat is the Goal of the Fire DepartmentGoals and Concerns of the Fire DepartmentSave LivesProtect Surrounding PropertiesSave this Property And the contentsMitigation to Make Less SeverePsychological damageSmoke damageFire/Burn/CombustionPhysical hazardsHazmatsOpen filesPoor loss rations Lost clientsLets look at each of the effectsPsychological DamageAfter 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. Smoke DamageAir 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.Fire/Burn/CombustionTwo types of fires.- Simple- ComplexTwo types of burns.-Chemical-HeatTwo types of combustion.-Complete-Incomplete

Physical HazardsAre 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? HazmatWhat burned?

Plastics and other materials that are commonly found have toxic fumes. Whats in your house? Open FilesAn 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.Poor Loss RatiosEveryone'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. Lost ClientsThe agents perspective:-What does the policy holder buy?-When do you lose policies? -How do you avoid it? Four Factors of Fire MitigationTime

Humidity

Temperature/pressure

Type of combustion materialsWithin MinutesWithin 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 permanentlyWithin Weeks: Crystal, glass and china may be permanently damaged. Carpet fibers yellow.At Risk SurfacesMetal and glass surfacesFaucetsTowel barsAluminum window framesChrome trimMarblePorcelainTile/GroutChinaCrystalEmergency CleaningAlso called a pre-cleanThe goal:Neutralize the acid residueUse a surfactant agentOr cooking oilProtects surfaces and reduce claims costs.Safety ConcernsLead paint in older building before 1979MoldThe need for respiratory protectionVentilationHEPA filtersAir scrubbing equipmentSmoke particulatesHow much can be saved by doing an emergency per-clean?

What about here?

Why do you think we only cleaned the tub & faucet?

Remember this Sink?

Wall Coverings and Smoke Mitigation

Test Clean or you might set the soot permanently!

The Famous Chem SpongeTools of the Trade

Ultrasonic CleanersMild cleaning solution agitated with sound wages in a tank. Used to clean non-porous and/or delicate itemsJewelryCeramicsComputer equipmentAppliances

Esporta Wash

Dry Ice BlastingSimilar to sand, aggregate or water blasting but can be very delicate.FurnitureGlassPaperStructure

Ozone GeneratorsUsed to remove odors. Normally items are stored in a sealed room with ozone generator

Not safe for natural rubber

Vapor TekThis unit uses the Vaportek patented essential oil membranes to release non-toxic, odor-neutralizing dry vapor into the air.

Thermal FoggersUsed to cover odors in areas and on items.

Masks odors

Air Scrubbers are used to remove particles in the air

The are HEPA filtering devices

ResourcesIICRC http://www.iicrc.org

ACGIH http://www.acgih.org/home.htm

ASCR http://www.ascr.org

OSHA http://www.osha.gov

EPA http://www.epa.gov

NAHB http://www.nahb.org

Thank you for attendingYou will receive 2-CE Credits Did you sign in and sign out?