We Restore More Than Property… We Restore Lives. Understanding The Issues of Fire and Smoke Losses
Why Your Insured Should Understand the Urgency of Fire Claims <ul><li>Immediate response after a fire </li></ul><ul><li>Ps...
Immediate Response <ul><li>With aggressive mitigation efforts begun within 4 to 12 hours after a loss, the overall cost of...
Psychological Damage <ul><li>Insured expects immediate response in their time of need </li></ul><ul><li>Often the adjuster...
Safety Hazards After a fire loss, structure can be highly hazardous
Safety Hazards <ul><li>Insured is usually unaware of the types of risks and how to mitigate them </li></ul><ul><li>Allow y...
Does Your Insured Understand the Categories of Fire Damage? <ul><li>Light </li></ul><ul><li>Moderate </li></ul><ul><li>Sev...
Light Damage <ul><li>Damage </li></ul><ul><li>Fire residues </li></ul><ul><li>Restoration </li></ul><ul><li>Cleaning </li>...
Example of Light Damage
Moderate Damage <ul><li>Damage </li></ul><ul><li>Fire residues </li></ul><ul><li>Localized heat damage </li></ul><ul><li>O...
Example of Moderate Damage
Example of Moderate Damage
Severe Damage <ul><li>Damage </li></ul><ul><li>Severe Structural damage </li></ul><ul><li>Heavy fire residues </li></ul><u...
Example of Severe Damage
Example of Severe Damage
Example of Severe Damage
Very Severe Damage <ul><li>Damage </li></ul><ul><li>Unstable structure  </li></ul><ul><li>Major structural elements </li><...
Example of Very Severe Damage
Example of Very Severe Damage
Example of Very Severe Damage
What a full service Restoration Contractor can do for your insured
What Happens Within Minutes <ul><li>Plastics discolor, small appliances, switch plates </li></ul><ul><li>Paper discolors, ...
What Happens Within Hours <ul><li>Grout stains </li></ul><ul><li>Furniture and cabinet finishes begin to yellow </li></ul>...
What Happens Within Days <ul><li>Most metals develop severe rust, corrosion or pitting </li></ul><ul><li>Wallpaper discolo...
What Happens Within Weeks <ul><ul><li>Glass, china and crystal require replacement, due to etching and pitting </li></ul><...
A Checklist For Your Insured <ul><li>What should the property owner do immediately? </li></ul><ul><li>Take photographs </l...
A Checklist for the Insured <ul><li>What should the property owner NOT do? </li></ul><ul><li>Attempt to wash walls, ceilin...
Smoke Residue Categories <ul><li>Wet Smoke </li></ul><ul><li>Smoldering </li></ul><ul><li>Cool </li></ul><ul><li>Oxygen st...
Smoke Residue Categories <ul><li>Dry Smoke </li></ul><ul><li>Fast burning </li></ul><ul><li>Hot </li></ul><ul><li>Oxygen r...
Smoke Residue Categories <ul><li>Plastic or Rubber Smoke </li></ul><ul><li>Burn vigorously </li></ul><ul><li>Low temperatu...
Smoke Residue Categories <ul><li>Protein Smoke </li></ul><ul><li>Meat or poultry </li></ul><ul><li>Stove or oven </li></ul...
Understanding the Behavior of Smoke and Fire <ul><li>If the agent understands </li></ul><ul><li>the behavior of fire and <...
Behavior of Smoke <ul><li>Temperature </li></ul><ul><li>Heat rises </li></ul><ul><li>10 degrees in temperature doubles the...
Behavior of Smoke <ul><li>Temperature of Surroundings </li></ul><ul><li>Rising hot air seeks cooler surfaces </li></ul><ul...
Behavior of Smoke <ul><li>Ionization of Smoke Particles </li></ul><ul><li>Magnetism to: </li></ul><ul><ul><li>Nail heads <...
The Amount  and Severity of Smoke Is Increased With the Following <ul><li>Materials that burned </li></ul><ul><li>Prolonge...
Ongoing Effects of Contamination <ul><li>Odor sources continue to off-gas until they have been dealt with properly </li></...
Thank You For Your Time <ul><li>Question and Answer </li></ul>
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1 hr understanding th issues of fire & smoke losses sa14032

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1 hr understanding th issues of fire & smoke losses sa14032

  1. 1. We Restore More Than Property… We Restore Lives. Understanding The Issues of Fire and Smoke Losses
  2. 2. Why Your Insured Should Understand the Urgency of Fire Claims <ul><li>Immediate response after a fire </li></ul><ul><li>Psychological damage </li></ul><ul><li>Safety hazards </li></ul><ul><li>Odor penetration </li></ul><ul><li>Ongoing effect of contamination </li></ul><ul><li>The best time for your insured to plan is before a loss </li></ul>
  3. 3. Immediate Response <ul><li>With aggressive mitigation efforts begun within 4 to 12 hours after a loss, the overall cost of a loss can be reduced by approximately 50% to 70% </li></ul><ul><li>When the fire trucks are gone, damage is on-going </li></ul><ul><li>Property owners do not always realize this </li></ul><ul><li>Improper actions can jeopardize successful restoration </li></ul>
  4. 4. Psychological Damage <ul><li>Insured expects immediate response in their time of need </li></ul><ul><li>Often the adjuster cannot be on-site right after loss </li></ul><ul><li>Insured is highly vulnerable to bad advice from neighbors, etc. </li></ul><ul><li>Insured may take matter into own hands jeopardizing their safety and impeding successful restoration </li></ul>
  5. 5. Safety Hazards After a fire loss, structure can be highly hazardous
  6. 6. Safety Hazards <ul><li>Insured is usually unaware of the types of risks and how to mitigate them </li></ul><ul><li>Allow your insured to be involved from the beginning of the process to provide a successful outcome in the end </li></ul>
  7. 7. Does Your Insured Understand the Categories of Fire Damage? <ul><li>Light </li></ul><ul><li>Moderate </li></ul><ul><li>Severe </li></ul><ul><li>Very severe </li></ul>
  8. 8. Light Damage <ul><li>Damage </li></ul><ul><li>Fire residues </li></ul><ul><li>Restoration </li></ul><ul><li>Cleaning </li></ul>
  9. 9. Example of Light Damage
  10. 10. Moderate Damage <ul><li>Damage </li></ul><ul><li>Fire residues </li></ul><ul><li>Localized heat damage </li></ul><ul><li>Odors </li></ul><ul><li>Personal property </li></ul><ul><li>Restoration </li></ul><ul><li>Clean, paint </li></ul><ul><li>Replace, resurface </li></ul><ul><li>Deodorization </li></ul><ul><li>Clean, resurface </li></ul>
  11. 11. Example of Moderate Damage
  12. 12. Example of Moderate Damage
  13. 13. Severe Damage <ul><li>Damage </li></ul><ul><li>Severe Structural damage </li></ul><ul><li>Heavy fire residues </li></ul><ul><li>Severe odors </li></ul><ul><li>Contaminated cavities </li></ul><ul><li>Contents </li></ul><ul><li>Restoration </li></ul><ul><li>Clean, paint </li></ul><ul><li>Replace, resurface </li></ul><ul><li>Deodorization </li></ul><ul><li>Clean, resurface </li></ul>
  14. 14. Example of Severe Damage
  15. 15. Example of Severe Damage
  16. 16. Example of Severe Damage
  17. 17. Very Severe Damage <ul><li>Damage </li></ul><ul><li>Unstable structure </li></ul><ul><li>Major structural elements </li></ul><ul><li>Heavy water damage </li></ul><ul><li>Contaminated cavities </li></ul><ul><li>Contents </li></ul><ul><li>Restoration </li></ul><ul><li>Temporary repairs </li></ul><ul><li>Demolish, rebuild </li></ul><ul><li>Clean seal, paint </li></ul><ul><li>Access, treat </li></ul><ul><li>Pack-out, most replaced </li></ul>
  18. 18. Example of Very Severe Damage
  19. 19. Example of Very Severe Damage
  20. 20. Example of Very Severe Damage
  21. 21. What a full service Restoration Contractor can do for your insured
  22. 22. What Happens Within Minutes <ul><li>Plastics discolor, small appliances, switch plates </li></ul><ul><li>Paper discolors, books, documents, etc. </li></ul><ul><li>Limestone, marble and alabaster stain </li></ul>
  23. 23. What Happens Within Hours <ul><li>Grout stains </li></ul><ul><li>Furniture and cabinet finishes begin to yellow </li></ul><ul><li>Appliances discolor permanently </li></ul><ul><li>Fiberglass plumbing fixtures yellow </li></ul><ul><li>Metal begins to tarnish and rust </li></ul><ul><li>Counter tops discolor </li></ul>
  24. 24. What Happens Within Days <ul><li>Most metals develop severe rust, corrosion or pitting </li></ul><ul><li>Wallpaper discolors permanently </li></ul><ul><li>Clothing becomes permanently soot stained </li></ul><ul><li>Vinyl and wood floor require refinishing and replacing </li></ul><ul><li>Paints yellow and discolor permanently </li></ul><ul><li>Carpet, upholstery and drapery become permanently soot stained </li></ul>
  25. 25. What Happens Within Weeks <ul><ul><li>Glass, china and crystal require replacement, due to etching and pitting </li></ul></ul><ul><ul><li>Window glass and mirrors etch and pit </li></ul></ul>
  26. 26. A Checklist For Your Insured <ul><li>What should the property owner do immediately? </li></ul><ul><li>Take photographs </li></ul><ul><li>Open windows if security and temperature allows </li></ul><ul><li>Remove all pets to uncontaminated environment </li></ul><ul><li>Remove and prop up wet upholstery items </li></ul><ul><li>Wait for insurance agent/adjuster to advise on salvaging or disposing of contents </li></ul><ul><li>Change the furnace filter, if operational </li></ul>
  27. 27. A Checklist for the Insured <ul><li>What should the property owner NOT do? </li></ul><ul><li>Attempt to wash walls, ceilings or other absorbent surfaces </li></ul><ul><li>Use TV’s, stereos, or electrical appliances until they have been inspected </li></ul><ul><li>Try to attempt restoration processes on their own </li></ul>
  28. 28. Smoke Residue Categories <ul><li>Wet Smoke </li></ul><ul><li>Smoldering </li></ul><ul><li>Cool </li></ul><ul><li>Oxygen starved </li></ul><ul><li>Easily absorbed by fabric </li></ul><ul><li>More odor </li></ul><ul><li>More difficult to remove </li></ul>
  29. 29. Smoke Residue Categories <ul><li>Dry Smoke </li></ul><ul><li>Fast burning </li></ul><ul><li>Hot </li></ul><ul><li>Oxygen rich </li></ul><ul><li>Fine particles </li></ul><ul><li>Less odor </li></ul><ul><li>Easier to fix </li></ul>
  30. 30. Smoke Residue Categories <ul><li>Plastic or Rubber Smoke </li></ul><ul><li>Burn vigorously </li></ul><ul><li>Low temperatures </li></ul><ul><li>Light weight </li></ul><ul><li>Easily smeared </li></ul><ul><li>Small quantity can produce large volume of smoke </li></ul>
  31. 31. Smoke Residue Categories <ul><li>Protein Smoke </li></ul><ul><li>Meat or poultry </li></ul><ul><li>Stove or oven </li></ul><ul><li>Extremely, pungent odor </li></ul><ul><li>Oily residue </li></ul><ul><li>Nearly invisible soot </li></ul>
  32. 32. Understanding the Behavior of Smoke and Fire <ul><li>If the agent understands </li></ul><ul><li>the behavior of fire and </li></ul><ul><li>smoke losses, they can </li></ul><ul><li>service their insured on a </li></ul><ul><li>higher level than those </li></ul><ul><li>that don’t. </li></ul>
  33. 33. Behavior of Smoke <ul><li>Temperature </li></ul><ul><li>Heat rises </li></ul><ul><li>10 degrees in temperature doubles the air volume </li></ul>
  34. 34. Behavior of Smoke <ul><li>Temperature of Surroundings </li></ul><ul><li>Rising hot air seeks cooler surfaces </li></ul><ul><li>Falling air at walls causes pulling affect of warm air </li></ul><ul><li>Results in soot deposit on top and back of drapes </li></ul>
  35. 35. Behavior of Smoke <ul><li>Ionization of Smoke Particles </li></ul><ul><li>Magnetism to: </li></ul><ul><ul><li>Nail heads </li></ul></ul><ul><ul><li>Synthetics </li></ul></ul><ul><ul><li>Smoke webs </li></ul></ul>
  36. 36. The Amount and Severity of Smoke Is Increased With the Following <ul><li>Materials that burned </li></ul><ul><li>Prolonged combustion time </li></ul><ul><li>Lack of oxygen </li></ul><ul><li>Higher temperature </li></ul><ul><ul><li>Remember, fire is non-discriminatory and any substance that CAN burn WILL burn. The more substances that do burn increase penetration of residue and create a more complex odor. </li></ul></ul>
  37. 37. Ongoing Effects of Contamination <ul><li>Odor sources continue to off-gas until they have been dealt with properly </li></ul><ul><li>The longer porous materials are exposed, the more difficult it becomes to clean </li></ul><ul><li>Smoke residue, over time, will degrade almost all surfaces </li></ul><ul><li>Delay in authorizing the cleaning and restoring process can drastically increase the size of claim </li></ul>
  38. 38. Thank You For Your Time <ul><li>Question and Answer </li></ul>

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