Fire Forensic: Fire insurances
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 fire insurances
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 Investigators: Apply the scientific method to determine the origin and possible cause of fires and explosions. They document all findings with photography and compile them into a comprehensive report that can withstand scrutiny in court. Investigators follow the scientific method outlined in the NFPA 921 standard, enabling them to develop and discuss hypotheses such as fires caused by spontaneous combustion, chemical reactions, mechanical explosions, or chemical explosions.
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 (from torn cables), electrical overloading, and leaked oxygen-rich medical gases filled the ceiling space of the storage room. A short circuit or damage affected medical electronic devices and apparatus.
A burnt capacitor in one of the ceiling lights contributed to the issue. The government facility operated for years without securing a fire certificate.
South ICU staff showed a lack of preparedness due to inadequate training in fire drills and emergency evacuation. Hospital management failed to enforce fire safety awareness.
At the time of the incident, emergency lights and exit door signs did not function, plunging the South ICU ward into total darkness 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.
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