New Approaches to Design for Fire Safety Tuesday, 20 th July 2010 Allister Smith Peter Wilkinson UK Property Risk Manager Associate Director Aviva Insurance Fire Protection Association RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice Reducing insurable risk through research, advice and best practice
Overview • Financial climate - headlines & facts • Design methods • Essential principles • Case study RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Headlines • Insurers very concerned about the increasing cost of fire losses • Fire costs now at record levels - rose by 16% between 2007 and 2008 to £1.3bn (£3.4m every day!) • Business Interruption claims cost a further £200m per year • We are seeing more multi-million pound fire claims • Insurers agree that the number of fire incidents is decreasing, but the average cost of fire is increasing! RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Cost of fire claims notified £m 1,400 1,200 1,000 800 600 400 200 0 1988 1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 Commercial Domestic Source: ABI statistics RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Commercial property damage claims costs by cause Accidental Damage 5% 7% Misc 10% 1% 6% Burst Pipes 11% 13% Explosion Fire Other 3% Subsidence Theft 44% Weather (Storm/Flood) Source: Aviva statistics RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Fire does not just cost us money • Economic cost • Wider effects on society the iceberg principle • Causes death and injury insured costs • the claim Disrupts peoples lives and destroys defence costs their most valued possessions lost time lost reputation lost customers • Affects local community uninsured costs investigation time overtime • replacement staff Can cause businesses to close down insurance premiums fines • Job losses • Environmental impact RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Fire safety design • The Building Act 1984 • Health • Safety • Welfare • Convenience • Energy Efficiency • Water Efficiency • The Sustainable and Secure Buildings Act 2004 • Security • Sustainability RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Fire safety design • Means of warning and escape • Internal fire spread (linings) • Internal fire spread (structure) • External fire spread • Access and facilities for the fire service RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Fire safety design • LABC • Approved Inspector • Fire Authority RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Fire safety design • General approach • Advanced approach • Fire engineering RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
General approach • Approved Document B • HTM Firecode • BB100 RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Advanced approach RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Fire engineering • ‘the application of scientific and engineering principles, rules and expert judgement, based on an understanding of the phenomena and effects of fire, and the reaction and behaviour of people to fire, to protect people, property and the environment from the destructive effects of fire’ Institution of Fire Engineers RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Fire engineering RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Start Fire engineering Qualitative design review (QDR) Quantitative analysis of design Assessment Un- satisfactory against criteria Satisfactory Reporting and presentation of results End RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
The protection of the business “ From a business protection and resilience point of view, buildings complying just with statutory requirements may be substantially under-protected “ Any building is at risk from fire - architects and fire engineering consultants wherever possible need to be asking their client…. “If you have a fire, will you be back in business in 24/48 hours?” RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Property insurance objectives • To reduce the likelihood of fire, either accidental or malicious. • To protect the buildings within the business. • To minimise the effect of fire on a business. • To limit the effects of business interruption and to allow the business to be trading as quickly as possible following fire. • To maintain the health and safety of those in and around the building (incl firefighters). Property Building Life Fire safe & business Design Safety protection RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 1 • The building shall be constructed in such a manner that if a fire starts, the extent of fire and smoke damage will be minimised and confined as close to the source of fire outbreak as is practicable/feasible. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 2 • The building shall be constructed from building materials and products that will not make a significant contribution to the early stages of a fire or contribute to the spread of fire. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 3 • Measures shall be taken to prevent premature structural collapse and excessive deflection. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 4 • Consideration at the design stage regarding potential impact from fire-fighting water, and to ensure the effect on the environment of the fire effluent will be minimised. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 5 • All fire protection products to be third party certified to an appropriate product or performance based standard. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 6 • All fire protection products/systems shall be designed and installed by adequately trained accredited specialist installers. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 7 • The building shall be fitted with an appropriate automatic fire alarm system. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 8 • The fire protection systems shall be regularly maintained so that they are able to perform their intended function throughout the life of the building. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 9 • There shall be adequate provision to prevent an arson attack. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 10 • The building shall be constructed that fire cannot spread into the premises from an adjoining building or other external fire source. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 11 • The building owner/occupier shall ensure an adequate standard of fire safety management throughout the life of the building. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Essential Principle No 12 • Any fuel burning appliance and services or electrical appliance and services shall be designed, constructed and installed so as to reduce their potential as an accidental source of ignition. RISK INSIGHT, STRATEGY AND CONTROL AUTHORITY Reducing insurable risk through research, advice and best practice
Recommend
More recommend
