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April 2017 - Builder's Risk Property Loss Prevention Surveys

There are significant property loss prevention hazards that occur during the construction of a building. The challenge is having active manual or automatic protection and detection available as soon as possible. In most cases automatic sprinkler protection is not activated until the project is close to or nearing completion.

The first step in conducting a builder's risk property loss prevention survey is to meet with the Project Manager, Superintendent of the Project, Architect and Engineering Firm. Find out their safety guidelines during construction. At the initial meeting phase you should also receive a site progression schedule that will show the approximate start and completion dates for the following:

The greatest loss exposure during construction is fire. Protection is critical. Detailed information should be provided on the following:

When providing a COPE report for your customer, Construction is the first major component. Details of the type of construction should be provided on the following items:

Site management is also a critical component of preventing losses during construction. Some items to make note of include:

Another critical aspect of a builders risk survey is the site security which can prevent vandalism and arson. The following items are important to maintaining a safe site:

If the site is located in an area subject to severe windstorm, a plan should be put in place. An example of a plan can be found in http://www.risklogic.com/articles/jul2005.html
Additional precautions are needed such as:

A flood zone determination should be provided and the nearest body of water located. The project site elevation (FFE) above maximum flood waters for the 100 year and 500 year flood should be determined. The past flood history of the region and average annual rainfall in the region should be identified. If the site is located in an area subject to flooding a plan should be put in place. An example of a plan can be found in http://www.risklogic.com/articles/may2008.html

These are just some items that can help in a Builder's Risk Property Loss Prevention survey. Please contact Risk Logic as we provide this service for our customers.