Future Fit Risk Engineering 2017 Global Risk Engineering Conference 18 th / 19 th May 2017 Gary Howe EngTech FIFireE MIFPO Senior Fire Protection Engineer Fixed Fire Protection Getting it right, Case studies and Lessons learnt Zurich Risk Engineering
Objectives Recap the concepts of: Is it in service? Will it work? Is it designed right? Six case studies Questions 2
The basics Basic approach to any fire protection or detection system: Is it designed right? Is it in service? Will it work? 3
Photograph copyright Zurich Risk Engineering 4
Case studies Indoor market Food factory 1 Hanging garment warehouse Chilled, frozen and ambient food storage warehouse Art storage facility Food factory 2 5
Indoor Market Before the loss Values (TIV) 25,000,000. Occupancy Historic indoor market Risk Engineering Engagement : Plan review and on site assessments Photograph copyright Zurich Risk Engineering 6
Indoor Market Story of loss How did it start Fire started within an electrical fridge Ignition source was the electrical motor How it spread and what was damaged Combustible insulation materials Contained to the kitchen How it stopped Single sprinkler head Public fire service Photograph copyright Local Fire and Rescue Service 7
Indoor Market Result of loss Estimate < 5,000 Cause Electrical fire (fridge) Contributing factors Zurich Risk Engineering engagement Photograph copyright Local Fire and Rescue Service 8
Food factory Northern Ireland Will it work? Before the event Values (TIV) 70,000,000 Occupancy Bread manufacturer RE engagement Desktop and on site risk assessments Photograph copyright Zurich Risk Engineering 9
Food factory Northern Ireland Story How did we get involved? Is it designed right? Is it in service? Will it work? Is it in designed right? Is it in service? Will it work? 10
Food factory Northern Ireland Risk Engineering engagement - witness and proving tests Site visit 1 - FAILURE Site visit 2 - FAILURE Zurich fire protection engineer correctly identified multiple causes of failure. Photograph copyright Zurich Risk Engineering 11
Food factory Northern Ireland Potential result of not undertaking proving testing of loss 70,000,000 Potential cause Ignition of combustible materials Contributing factors: Impaired fire protection system, combustible construction 12
Brake Bros Warehouse Is it in service? Before the loss Values (TIV) 60,000,000 Occupancy Ambient, chilled and frozen foods RE engagement On-site risk assessments Photograph copyright Zurich Risk Engineering 13
Chilled, frozen and ambient food storage warehouse Is it in service? Before the loss Values (TIV) - 60,000,000 Occupancy - Ambient, chilled and frozen foods Risk Engineering engagement: Plan review and on-site risk assessments Photograph copyright Zurich Risk Engineering 14
Chilled, frozen and ambient food storage warehouse Story of involvement How did it start QBE - stock and contents insurer Zurich property insurer QBE had accepted and signed off the sprinkler system How did we get involved? Is it designed right? Is it in service? Will it work? Is it in designed right? Is it in service? Will it work? 15
Chilled, frozen and ambient food storage warehouse Risk Engineering engagement - witness and proving tests 16
Chilled, frozen and ambient food storage warehouse Potential result of not undertaking proving testing Potential for loss 60,000,000 100% Estimated Maximum Loss Probable causes: Forklift truck, arson, electrical Contributing factors - polystyrene composite panels and impaired fire protection system 17
And a genuine quote from the Risk Manager.. I am really glad our Zurich Risk Engineer asked for this testing to be carried out. I would not have wanted to wait until we had a fire to find out the system did not work 18
ASOS Will it work? Before the loss Occupancy - On-line clothing retailer Values (TIV) - Machinery and contents 39.4m, Stock 176.7m ( 120m worth on premises at the time of the loss) Gross Profit 529m (24 month IP) Building leased Tenants improvements 20m RE engagement - On-site risk assessments AIG lead Photograph copyright Zurich Risk Engineering 19
Hanging garment warehouse Will it work? Before the loss Occupancy - On-line clothing retailer Values (TIV) - Machinery and contents 39.4m, Stock 176.7m ( 120m worth on premises at the time of the loss) Gross Profit 529m (24 month IP) Risk Engineering engagement - On-site risk assessments Photograph copyright Zurich Risk Engineering 20
Hanging garment warehouse Story of loss 200m x 100m five storey mezzanine. Fire started on level 2 within the racking of the mezzanines at 21:49pm. Later found to have started deliberately. Photograph copyright Zurich Risk Engineering 21
Hanging garment warehouse How it spread and what was damaged Fire fueled by combustible contents Racking and contents damaged Extensive smoke and water damage to stock Fire spread vertically due to holes How it stopped Sprinkler system Public fire service Photograph copyright Zurich Risk Engineering 22
Hanging garment warehouse Result of loss Cost of loss - 20,300,000 Cause - Arson Contributing factors Holes in mezzanine floors acting like a chimney Risk Engineering - Due to these negative features the standard 5 sprinkler Probable Maximum Loss should not be used, as more heads are likely to operate than normally expected. Photograph copyright Zurich Risk Engineering 23
Photograph copyright Zurich Risk Engineering 24
Art Store Will it work? Before the event Values (TIV) 170,000,000 Occupancy High value art and artefacts RE engagement Desktop and on site risk assessments Photograph copyright Zurich Risk Engineering 25
Art Store Story How did it start Underwriter sent fire protection engineer commissioning documentation Signed off by contractor No need for Zurich to get involved Aberdeen City Council had approved and signed off the fire protection system How did we get involved? Is it designed right? Is it in service? Will it work? 26
Art Store Risk Engineering engagement - witness and proving tests across two site visits. Site visit 1 - FAILURE Site visit 2 - FAILURE Zurich fire protection engineer correctly identified multiple causes of failure. 27
Art Store Potential result of not undertaking proving testing of loss 170,000,000 Potential cause Ignition of combustible materials Contributing factors Impaired fire protection system 28
Food factory Will it work? Before the event Values (TIV) > 100,000,000 Occupancy Crisp (potato chip) manufacturer Risk Engineering engagement: Desktop, plan review and on site risk assessments Photograph copyright Zurich Risk Engineering 29
Food factory Story How did we get involved? Is it designed right? Is it in service? Will it work? Photograph copyright Zurich Risk Engineering 30
Food factory Risk Engineering engagement - witness and proving tests across three site visits. Site visit 1 - FAILURE Site visit 2 - FAILURE Zurich fire protection engineer correctly identified multiple causes of failure. 31
Food factory Potential result of not undertaking proving testing of loss > 100,000,000 Potential cause: Thermocouple failure leading to spontaneous Ignition of oil Contributing factors: Impaired fire protection system, combustible construction Photograph copyright Zurich Risk Engineering 32
Our approach to any fire protection or detection system: Is it in designed right? Is it in service? Will it work? 33
Thank you Gary Howe EngTech FIFireE MIFPO Senior Fire Protection Engineer Zurich Risk Engineering Tel: 01842 753447 Mob: 07734 336826 Email: gary.howe@uk.zurich.com 34
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