Construction: A Critical Time for Fire Protection

Building or remodeling is an exciting time and it's easy to overlook adequate fire protection.

During construction or renovation, your home or business is susceptible to fire. In a report by the National Fire Protection Association (NFPA), U.S. fire departments respond to an average of 4,400 fires in structures under construction, resulting in $370 million in property damage, each year.

Simple and cost-effective solutions can significantly reduce construction fire:

Combustible Building Material Management and Housekeeping

Store lumber and other combustible materials outside the building at a safe distance from the project. Because many commonly used construction materials are highly combustible, the jobsite should be broom-swept and cleaned daily and thoroughly at the end of each work week. Remove all trash from the site daily or weekly.

Site Security

Because of the increased threat of arson and vandalism while your property is unoccupied, install security fencing and keep it locked on weekends and non-working hours. Motion-activated lighting, video surveillance systems and even security guards are additional options that can significantly reduce the risk of unwanted visitors or trespassing.

Fire and Theft Detection

Once the building is fully enclosed with roof, doors and windows, install and activate a temporary fire and burglar alarm system that reports to a central station. Because smoke detectors are susceptible to false activation from construction dust, heat sensors are better suited for temporary fire detection. If permanent power is not yet available, a temporary power source can be used. Cellular communication to the alarm monitoring station should suffice if an active phone line is not yet available.

Tattletale Portable Alarm Systems offers these key features to Cincinnati Insurance policyholders and the public. Our loss control consultants can guide you; reach out to your local independent agent to get started.

Hot Work Program

Establish a hot work program that includes protective measures, fire watch provisions, inspections and permit permissions for hot work activities on the construction site.

Fire Extinguishers

Keep fire extinguishers in highly visible locations throughout the jobsite. Multi-purpose extinguishers of at least 10 pounds are recommended.

No Smoking

Smoking should be prohibited, with “no smoking” signs posted in visible locations throughout the construction site.

No Cooking

Cooking should be prohibited in the building and allowed only in approved areas away from the building.

Flammable Liquids

Store flammable materials such as paints, varnishes, solvents and soiled rags in an approved flammable storage cabinet or containers.

Temporary Heating

Use temporary heaters that are listed in accordance with manufacturer’s instructions, supervised and regularly inspected. In frame and enclosed structures, use indirect fired units outside of the structure and duct the heat into the enclosed area.

Electrical

According to the NFPA report, “electrical distribution and lighting equipment was involved in 20 percent of the fires in structures undergoing major renovation, including 14% involving wiring and related equipment.” This high frequency warrants a closer look at the electrical systems, including the temporary systems installed by contractors.

Remember to discuss these loss prevention measures with your contractors and subcontractors before construction begins. These established protocols can help keep your home or business safe during this crucial time.

This loss control information is advisory only. The author assumes no responsibility for management or control of loss control activities. Not all exposures are identified in this article. Contact your local, independent insurance agent for coverage advice and policy service.