Fire Insurance through Fire Forensic
The term “fire insurance” refers to a form of property insurance that covers loss and damage to a structure damaged or destroyed caused by a fire eruption.
What can be covered under the fire insurance
Accidental fire, lightning, explosion or implosion, aircraft damage, and impact damage.
The exclusions under fire insurance
- No cover for damages caused due to nuclear perils, nuclear waste or radioactivity.
- No cover for any damage/loss to any of the electrical machines, short circuit, apparatus, leakage of electricity.
- No cover for loss/damage theft or expense incurred directly or indirectly caused by any kind of terrorist activity are not covered by the policy.
- No cover for damage due to war, invasion, civil war, commotion, mutiny warlike situations.
- No cover for damage/loss to the stock due to change in temperature; loss or damage directly or indirectly by some of the natural disasters like earthquake, volcano.
- No coverage is provided under the loss of earning, loss of delay or market loss, consequential loss.
Fire forensic company:
- Forensic Service Asia: investigated more than 3,000 fires. The main causes, approximately in order of frequency, are electrical malfunction, deliberate, hot work, electrostatic and spontaneous combustion.
- Approved Group International Forensic investigation: apply the scientific method of investigation to determine the origin and possible cause of fire and explosion. All findings are documented through photography and are compiled into a comprehensive report which will withstand scrutiny in a court of law. Conduct investigation in accordance with the scientific method enunciated within the NFPA 921 standard. This allows developing and discuss hypotheses such as fires due to spontaneous combustion, chemical reactions, mechanical explosion, chemical explosion.
Fire private company:
- FESDES Sdn. Bhd.
- AITO Firework Holding Sdn. Bhd.
- Dexalon Sdn. Bhd.
- Stephen Grubits & Associates Sdn. Bhd.
- Jensen Hughes
High profile case in Malaysia that participate by BOMBA and other agencies. SULTANAH AMINAH HOSPITAL FIRE DEATHS (2016).
The fatal fire broke out in the storage room (described by HSA as the “treatment room”) of the South ICU at about 8.50 am on October 25, 2016, with the Fire and Rescue Department receiving a call from the hospital at 8.56 am.
Cause
Faulty electrical wiring, electrical arcing (torn cables), electrical overloading, leaked medical gases rich in oxygen in the ceiling space of the storage room. Short circuit or damages in medical electronic devices and apparatus.
The burnt capacitor in one of the ceiling lights. The government facility operated for years without a fire certificate.
South ICU staff lack preparedness as they were not trained in fire drills or emergency evacuation. Hospital management did not follow up on fire safety awareness.
The emergency lights and exit door sign lights were not working at the time of the incident, resulting in total darkness in the South ICU ward when the lights went off.
Participant in solving this case:
– Firefighting operations and victim evacuation carried out involved a total force of 166 firefighters (Bomba) and 10 pieces of machinery.
– Johor Bahru Selatan district police chief ACP Sulaiman Salleh
– JBPM Deputy Director General (Operations), Datuk Soiman Jahid with fire forensic expert will conduct a detailed investigation at the scene, including conducting experiments at his forensic laboratory.
– Forensic investigations by the Malaysian Fire and Rescue Department (JPBM).
– JPBM operations assistant director, Mohd Rizal Buang said eight of his personnel have been tasked with finding evidence in the ICU treatment room.
– Former court of appeal judge Mohd Hishamudin Yunus discovered the entire Sultanah Aminah Hospital management and ministry did not appear to take fire safety seriously.
– Public Works Department to assess the status of the hospital building whether it is still safe to use
– Habibah Abd Ghani (37 years), Jatish (27 years) and Muhadzir Lewon as a witness
Victims
Six patient’s deaths, 10 HSA staffs were injured including two admitted to ICU at Sultan Ismail Hospital while another was admitted to Sultan Aminah Hospital, 7 other staffs were under close monitoring for minor injuries. The critical patient was transferred to the Fire Unit at Sultan Ismail Hospital.
FESDES is a fire consultant company that helps the client to solve fire safety issues including fire insurance, fire safety design and others. Contact us for any inquiries.