Loss analysis Main category: Other residential Cause


Other residential 2009-2017 Hotels 2009-2014 Hotels 2009-2017 Time of day


Other residential 2009-2017 Hotels 2009-2014 Hotels 2009-2017 Impedances


Other residential 2009-2017 Hotels 2009-2014 Hotels 2009-2017


Accidental 53.6% 60.0% 57.7%


6.2%


20.0% 10.3%


Deliberate 27.8% 22.4% 22.1%


14.2% 15.1% 8.4%


Sub category: Hotels Jan 2009 to Dec 2017: During this period, ‘other residential’ large loss fires accounted for 30.0% of all large loss fires


The numbers: During the period of this survey, there were 160 large loss fires in the ‘other residential’ sector, 60 of which involved hotels. Fire in hotels accounted for 1.1% of all large loss fires and 37.5% of all ‘other residential’ fires


Unknown/unassigned 17.9% 17.6% 20.1%


00:00 - 06:00 06:00 - 12:00 12:00 - 18:00 18:00 - 00:00 24.9% 27.6% 18.7% Total


17.4% 32.4% 21.9%


24 6 8


Access 15


3 3


Acetylene Inadequate water 0


0 0


5 2 3


Unknown 37.3% 5.1%


40.7%


Resources 4


1 2


The cost: ‘Other residential’ fires account for 4.1% of estimated financial losses in all large loss fires, with an average loss of £903,563 per fire. Hotel fires account for 59.5% of the estimated large loss fires in the ‘other residential’ sector, with an average cost of £1,432,821 per fire


Insurance component


Other residential Hotels 2009-2014 Hotels 2009-2017


Material damage


52.1% 47.3% 74.4%


Business


interruption 35.9% 41.1% 24.4%


franchised outlets. In some cases, services such as catering and housekeeping are also contracted out. There is therefore a requirement for the various employers to cooperate and coordinate their activities as appropriate, to minimise the risk of fire. In addition, there may be conference facilities, exhibition spaces or a ballroom, which attract visitors and events that must be carefully managed, and on occasions an event specific fire risk assessment may have to be undertaken prior to said event. The most hazardous areas are probably


kitchens – in large commercial kitchens a fixed fire suppression system is now almost always installed to protect the deep fat fryer, grille and ovens. A suitable wet chemical fire extinguisher should still be provided where a large deep fat fryer is installed, but where this is the case, these extinguishers should be the only ones available in the kitchen. This is to avoid a member of staff grabbing


the wrong type of extinguisher in an emergency. Extinguishers appropriate for other uses should still be available nearby, perhaps in the corridor outside the kitchen door or in the wash up area. Fires in extract ductwork are also a potential problem, thus periodic cleaning should be undertaken by a competent contractor. Insurers now recognise LPS 2084: Requirements


for the LPCB approval and listing of companies carrying out inspection, cleaning and maintenance of ductwork systems as a basis for competency in this field. Where there is uncertainty in this respect, the insurer of the property should be consulted.


Contents Loss of rent 4.7% 8.8% 1.2%


2.0% 0.5% 0.0%


Large loss ‘other residential’ fires cost on average £1,395m2


Machine and plant


0.5% 1.1% 0.0%


Stock Other 0.1% 0.5% 0.0%


4.7% 0.7% 0.0%


; large loss fires in hotels cost £1,228m2 Specially designed rooms for guests with mobility


problems should be available on the lower floors of the hotel. Guests with mobility difficulties, impaired sight or hearing should be identified when they are booking in at reception. In these instances, effective pre planning is vital so that guests may be provided with appropriate accommodation or facilities, such as vibrating pagers/pillows. An important element of this is training, in


order to ensure that all staff, especially those on duty at night, are familiar with the emergency plan and have carried out practical exercises in its implementation. Staff should also be made aware of the dangers of deliberate fire raising. In addition, when new hotels are at the planning stage, serious consideration should be given to the installation of a water sprinkler system. Sprinkler systems should be designed, installed, commissioned and maintained in accordance with the LPC Sprinkler Rules incorporating BS EN 12845 by a company certificated by an independent UKAS accredited third party certification body. To minimise any difficulties that may be faced by the fire and rescue service, liaison should be established to ensure that adequate access is provided and water supplies in the area are adequate for firefighting purposes. Enjoy your travels – but make yourself familiar with a fire escape route when you arrive!


Adair Lewis is technical consultant at the Fire Protection Association


These statistics are based on information supplied by loss adjusters to the FPA on a voluntary basis and not all insurers conducting business in the UK contribute to this dataset. They represent only sums paid out where the total loss is in excess of £100k and are deficient of losses under £100K, deductibles, underinsurance, uninsured, self-insured and captively insured components, which may be significant. In a year, total losses captured typically account for 50% of the ABI declared annual fire loss figure – which is similarly deficient of the same components (except the £100k threshold).


www.frmjournal.com SEPTEMBER 2018 53


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