Will Your Insurance Company Cover Your Substation Transformer Fire?
One of the most important decisions that any business owner makes involves choosing the right insurance carrier and coverage. Depending on the carrier, fire insurance may be a standard offering. Especially when dealing with certain risks, such as a substation fire, it is critical that you have the necessary protection.
Compared to other types of fires, a transformer fire is considered one of the most dangerous. In addition to significant damage to property, there is a major risk of injury and even death, both on- and off-site. Even if a substation fire is relatively small, it poses a massive risk. This is why having the right insurance coverage and fire protection systems is essential.
For substation fire protection, it is important to have a proper transformer fire separation wall in place. With the right wall, that is correctly positioned and spaced, the damage and risk to adjacent equipment and site personel are dramatically reduced. For instance, a company like DuraSystems has various systems that will give you confidence that the right transformer fire separation wall for your site is installed.
Specific to a transformer fire, the barrier assemblies manufactured by DuraSystems are for passive fire protection in modern construction. These barriers are made to provide up to six hours of fire protection. Where the situation requires, DuraSystems can also provide through penetration firestops and fire-rated doors for optimal protection.
The fact is that there is a good chance that your insurance company will provide coverage for a substation fire, but only if certain measures have been taken. Obviously, insurance companies want to be protected, as well. Therefore, they will check that all building code regulations are followed and where required a proper fire barrier is in place. However, it is imperative that you first talk to your insurance company so that you know any additional requirements they have beyond your local building code.
To get the insurance coverage you need, we would love to help you choose the right type of substation fire protection. We offer years of experience and unrivaled expertise when it comes to fire protection systems.