AU 61-Assignment 4- Analyzing Fire
Protection and External Exposure
Fire Protection: - answer Measures taken to protect lives and property from fire
damage; consists of prevention, detection, and suppression.
Public Fire Protection: - answer Protection provided by counties, cities, towns, and fire
districts to all properties within their jurisdictions. Public fire services employ paid or
volunteer firefighters or, in some cases, both.
Private Fire Protection: - answer Private fire protection can be as simple as keeping one
fire extinguisher on the premises or as sophisticated as having an automatic sprinkler
system monitored from a central station, a fire brigade, or a fire company.
The goal of both public and private fire protection: - answerTo protect lives and
property.
The three elements of fire protection are: - answerFire prevention, fire detection, and
fire suppression.
Fire Prevention: - answerPublic agencies often provide fire prevention, which can
include the local fire service, the fire marshal, and municipal organizations responsible
for passing and enforcing fire and building codes. They conduct inspections, update
ordinances dealing with hazardous substances and conditions, and encourage
businesses to implement private fire protection measures.
Fire Detection: - answerPublic fire detection resources consist mainly of
communications systems used by the local fire service to receive and transmit fire
alarms. Communications equipment consists primarily of telephone, radio, and fire call-
box systems.
Fire Suppression: - answerFirefighters provide public fire suppression. Efficient fire
suppression greatly reduces loss severity. Improper or inefficient suppression efforts
can result in heavy or even total losses from water damage, which can be more severe
than the damage from the fire itself.
Pre-Fire Planning Surveys: - answerA public fire protection service in which fire service
personnel complete walk-through inspections and training runs of commercial property;
fire personnel become familiar with locations of major buildings and equipment, fire
hydrants, standpipes, and sprinkler system connections.
, Fire Department Connection (FDC): - answerA sprinkler system connection that allows
the fire department access to dry standpipes that supply water to hose stations and
sprinkler systems; the connection is made through two pipes that extend from the
building. Sometimes called a splitter.
Salvage Teams: - answerSpecialized fire personnel who are trained to minimize
property damage caused by water used to suppress a fire by using tarpaulins (tarps),
drains, lifts, and similar equipment to minimize this damage and reduce the overall cost
of the loss.
Arson Squads: - answerA team of specialists used by municipalities and provided with
special equipment to vigorously investigate and detect arson-for-profit cases, which are
then prosecuted; coordinates efforts with police departments and district attorneys or
other prosecutors.
Which fire protection elements do you think have the greatest effect on loss severity and
are the most important to identify? - answerIt's particularly important to identify whether
a property's fire detection and suppression elements are deficient because those
elements have the greatest effect on loss severity. These elements are the primary
focus of the ISO and AAIS classification systems.
The AAIS system uses information from the insurance application or geographic
information systems (GIS) to group properties into one of three classifications: -
answerProtected, partially protected, and unprotected.
Protected Classification: - answerTo qualify for this classification, a building must be
within 1,000 feet of a fire hydrant and five road miles of a responding fire department.
This classification is divided into five tiers (Protected 1, Protected 2, Protected 3,
Protected 4, and Protected 5) based on how close the building is to the fire department.
Partially protected classification: - answerBuilding is located more than 1,000 feet from
a fire hydrant and is within five road miles of a responding fire department.
Unprotected classification: - answerBuilding is located in an area that is classified as
neither protected nor partially protected.
Management Support: - answerPreventing losses requires the organization to routinely
monitor housekeeping; adhere to codes and standards; conduct effective fire prevention
and protection planning; properly handle, store, and remove hazardous materials;
properly maintain heat-generating equipment; and train all personnel in fire prevention.
Management must actively support these activities at all levels to maintain a successful
risk control program for preventing fire losses.
Aside from obtaining commitment from senior leaders, how do you think an organization
could encourage all employees to actively participate in a risk control program? -
answerManagers and employees should be held accountable for achieving risk control
Protection and External Exposure
Fire Protection: - answer Measures taken to protect lives and property from fire
damage; consists of prevention, detection, and suppression.
Public Fire Protection: - answer Protection provided by counties, cities, towns, and fire
districts to all properties within their jurisdictions. Public fire services employ paid or
volunteer firefighters or, in some cases, both.
Private Fire Protection: - answer Private fire protection can be as simple as keeping one
fire extinguisher on the premises or as sophisticated as having an automatic sprinkler
system monitored from a central station, a fire brigade, or a fire company.
The goal of both public and private fire protection: - answerTo protect lives and
property.
The three elements of fire protection are: - answerFire prevention, fire detection, and
fire suppression.
Fire Prevention: - answerPublic agencies often provide fire prevention, which can
include the local fire service, the fire marshal, and municipal organizations responsible
for passing and enforcing fire and building codes. They conduct inspections, update
ordinances dealing with hazardous substances and conditions, and encourage
businesses to implement private fire protection measures.
Fire Detection: - answerPublic fire detection resources consist mainly of
communications systems used by the local fire service to receive and transmit fire
alarms. Communications equipment consists primarily of telephone, radio, and fire call-
box systems.
Fire Suppression: - answerFirefighters provide public fire suppression. Efficient fire
suppression greatly reduces loss severity. Improper or inefficient suppression efforts
can result in heavy or even total losses from water damage, which can be more severe
than the damage from the fire itself.
Pre-Fire Planning Surveys: - answerA public fire protection service in which fire service
personnel complete walk-through inspections and training runs of commercial property;
fire personnel become familiar with locations of major buildings and equipment, fire
hydrants, standpipes, and sprinkler system connections.
, Fire Department Connection (FDC): - answerA sprinkler system connection that allows
the fire department access to dry standpipes that supply water to hose stations and
sprinkler systems; the connection is made through two pipes that extend from the
building. Sometimes called a splitter.
Salvage Teams: - answerSpecialized fire personnel who are trained to minimize
property damage caused by water used to suppress a fire by using tarpaulins (tarps),
drains, lifts, and similar equipment to minimize this damage and reduce the overall cost
of the loss.
Arson Squads: - answerA team of specialists used by municipalities and provided with
special equipment to vigorously investigate and detect arson-for-profit cases, which are
then prosecuted; coordinates efforts with police departments and district attorneys or
other prosecutors.
Which fire protection elements do you think have the greatest effect on loss severity and
are the most important to identify? - answerIt's particularly important to identify whether
a property's fire detection and suppression elements are deficient because those
elements have the greatest effect on loss severity. These elements are the primary
focus of the ISO and AAIS classification systems.
The AAIS system uses information from the insurance application or geographic
information systems (GIS) to group properties into one of three classifications: -
answerProtected, partially protected, and unprotected.
Protected Classification: - answerTo qualify for this classification, a building must be
within 1,000 feet of a fire hydrant and five road miles of a responding fire department.
This classification is divided into five tiers (Protected 1, Protected 2, Protected 3,
Protected 4, and Protected 5) based on how close the building is to the fire department.
Partially protected classification: - answerBuilding is located more than 1,000 feet from
a fire hydrant and is within five road miles of a responding fire department.
Unprotected classification: - answerBuilding is located in an area that is classified as
neither protected nor partially protected.
Management Support: - answerPreventing losses requires the organization to routinely
monitor housekeeping; adhere to codes and standards; conduct effective fire prevention
and protection planning; properly handle, store, and remove hazardous materials;
properly maintain heat-generating equipment; and train all personnel in fire prevention.
Management must actively support these activities at all levels to maintain a successful
risk control program for preventing fire losses.
Aside from obtaining commitment from senior leaders, how do you think an organization
could encourage all employees to actively participate in a risk control program? -
answerManagers and employees should be held accountable for achieving risk control
