Insurance Requirements for Fire Extinguishers
In order for insurance coverage to apply to fire damage, there are requirements for fire extinguishers that have to be met to satisfy the company. There must be a certain type of fire extinguisher available for instance, and those extinguishers may have to be certified by the fire marshall in order for fire damage to be compensated for by the insurance provider. Those fire extinguishers must also be close enough to the area of a fire hazard in order for it to be used in time.
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Location and Number
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Fire extinguishers should be mounted on the walls, labeled with signs, color coded properly, and they should be in obvious places where anyone can find them. In the cases of many businesses, it's required that employees must complete some variety of training that states they were informed of where the fire extinguishers are, and how to use them properly. It is usually required that there should be at least one fire extinguisher in every room in a business. The exact number will be determined by the insurance policy.
Type
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Often an insurance policy will state specifically which types of fire extinguishers must be present in order for a policy's requirements to be fulfilled. Fire extinguishers which use extinguishing agents such as carbon tetrachloride or chlorobromomethane are specifically not allowed under many insurance policies. Soda-acid foam extinguishers, loaded stream extinguishers, anti-freeze extinguishers, and inverted shell water extinguishers are acceptable, but they must be new extinguishers, not used and reloaded ones.
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Hazards
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Class A hazards, such as wood, cloth, paper, and rubber, must have a fire extinguisher no more than 75 feet away. Class B hazards, such as liquids, greases, and gases, must have an extinguisher within 50 feet. Class C hazards, which are live electrical equipment and circuits, must have Class C fire extinguishers specifically, distributed in the same way as Class A and Class B hazards have their extinguishers distributed. Lastly, Class D fire extinguishers, which are powder, flakes, and residue from combustible materials, must be no more than 75 feet away from the hazard.
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