Category: Business Interruption / Time Element
Dec
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The National Fire Protection Association (NFPA) reports annually on large-loss fires and explosions that occurred in the United States the year before. Those fires are defined as events that result in property damage of at…

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Nov
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Rising concern over cybersecurity is being driven by high-profile data breaches and the growing realization that potential revenue losses from cyber risks can rival those of business interruptions and natural disasters. The scale of cyber…

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Dec
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The major hazards associated with hurricanes are: storm surge and storm tide heavy rainfall and inland flooding high winds rip currents tornadoes For coastal areas, storm surge and large waves produced by hurricanes pose the…

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May
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Two years ago a leading article with a major head line in the USA Today stated “Fierce Hurricane Season Predicted.” The article went on to say that an “extremely active” hurricane season was to occur…

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Feb
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Recent studies have shown that anywhere from 10 to 25% of facilities can experience flooding. Flood maps can give an indication of the flood exposure for a facility. However, there could be errors in these…

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Nov
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A common misconception is that property losses due to winter weather only occur in regions where harsh winters are the standard. Actually, areas that don’t usually have severe weather suffer larger and more costly losses,…

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Sep
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Hurricane season runs from June 1 to November 30 in the Northern Hemisphere. Windstorm is the second highest cause of property loss after fire. Recent severe windstorms have proven that buildings and roofs designed to…

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Aug
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Vacant facilities need loss prevention consideration just as much as full-functioning ones, and in many cases perhaps more so. Empty facilities pose exposures due to theft, arson and vandalism, and hazards such as freezing pipes…

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Mar
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You might wonder why fire protection is important in a building that is under construction – especially if the building will have noncombustible and/or fire rated construction. An estimated 4,800 fires occur annually on construction…

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Aug
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Fire Suppression System Impairments Industrial fire suppression systems include automatic sprinklers, gaseous systems as well as foam systems that might be used in aircraft hangars or to protect certain flammable liquid operations. Associated with the…

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Jul
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Information technology equipment/systems include computers and peripheral support such as memory, programming, records, storage, and human activities. Guidance can be found in NFPA 75-2009 “Standard for the Protection of Information Technology Equipment,” which forms the…

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May
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We occasionally see on TV news where buildings are inundated or submerged in flood water after heavy rain, typhoons or hurricanes. Many people believe it never happens to their own buildings. But is that really…

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Feb
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Facts about Hailstorms: Hail develops during most mid-latitude thunderstorms, often melting before reaching the ground. Hail forms in the updraft of a thunderstorm with stronger storms producing larger hail. The updrafts pull the precipitation up…

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Mar
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Bromochloroflourocarbons (Halons) were developed in the 1930s. Halon is low in toxicity, non-flammable, non-corrosive and very compatible with many materials. Halon has thermodynamic and physical properties that make it ideal as a fire extinguishing agent…

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Nov
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Fire pumps and fire booster pumps are critical pieces of equipment when it comes to providing an adequate fire protection water supply for many industrial and commercial properties. Fire pumps are needed at sites where…

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Aug
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Heavy Duty Mobile Equipment (HDME) is widely used in mining, lumbering, road building and plant construction. Most HDME has high-pressure hydraulic systems. Smaller equipment, such as logging vehicles, front-end loaders and haulage trucks, are usually…

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Jul
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Severe windstorm studies have shown that storm-related damage can be prevented or minimized. The keys to this are windstorm preparation planning in advance of the storm and organized action during and after the storm. A…

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Feb
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Typically, we consider fire protection as a combination of adequate physical protection and implementation of loss control programs which in combination help to reduce the number of fires and minimize the extent of damage should…

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Oct
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When most companies think of a disaster recovery program, the first issue that comes to mind is EDP operations. Do we have backup data or hot sites available? Is replacement equipment readily available? However, there…

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Jan
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Although fires in air preheaters (ap’s) of US power plants are infrequent, the result can be extensive damage and downtime of several months. Here, we consider steps that can be taken to minimize the incidence…

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Nov
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In a recent issue of the Record, which is a quarterly publication of FM Global, the system of Exposure Driven Engineering was reviewed. Basically, Exposure Driven Engineering is a concept, which consists of conducting intermediate…

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