A follow-up survey of premises by a fire surveyor. It may be to check: if suggested improvements have been carried out; that accumulated waste has been removed; on new features, e.g. machinery, not installed at time of first survey; on changes notified to the insurer since the first survey. The whole premises are checked during a resurvey.
Insurance Encyclopedia
Fire Safety and Safety at Places of Sport Act 1987
Provides for a system of safety certification by local authorities for certain covered stands- known as ‘regulated stands’ – at sports grounds, and for subsequent inspections. This Act applies to all outdoor sports grounds, whatever their use, where there is a covered stand (i.e. with seated or standing accommodation) which can accommodate at least 500 spectators.
Fire Stop
An obstruction across an air passage or concealed space in a building to prevent fire from spreading.
Fire survey report
Prepared by a fire surveyor to assist an underwriter in considering the risk. The report, with plan, describes the premises and covers: fire hazards; fire protection; management; claims history; recommendations for risk improvement; reference to any special perils that be required and the susmay ceptibility of the risk to those perils.
Fire Surveyor
One who inspects property to determine the degree of hazard to which it is subject from fire and to assess the premium payable for fire insurance.
Fire Wall
(01) Fire wall that separates a property into two Fire areas, (02) Fire-resistant wall designed to prevent the horizontal spread of Fire into adjacent areas and to maintain the integrity of a structure.
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A structure (wall) that is designed to prevent fires from spreading within a building. For example townhouses should have a firewall between each unit to prevent the entire row from burning. Regarding computer terminology, a fire wall is hardware or software designed to prevent unauthorized access to data from outside users.
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UK: Floor to roof wall of incombustible materials with no doors, windows or other spaces through which a fire could pass. It needs to be sufficiently fire resistant, i.e. four hours resistance, before an insurer ‘comparentises’ a property into separate risks. See also FIREWALL.
Fire waste
Economic loss to society caused by fire. It embraces the direct loss of property and material damage, plus the time and cost in manufacture and other consequential losses, e.g. unemployment. The ABI and Lloyd’s work closely with the Building Research Establishment and others on fire waste reduction.
Fire, Casualty, and Surety (FC&S) Bulletins
Bulletins from the National Underwriter Company that detail coverage and underwriting for various types of policies within the categories of insurance.
Firebreak
A natural or constructed barrier, such as a fire wall that stops or checks the progress of a fire. See FIREBREAK DOORS WARRANTY; FIRE DIVISION.
Firebreak doors warranty
Fire insurance warranty that all firebreak doors are closed at the end of business each day.