How Will What Insurance Underwriters Feel About Risk On Tall Wood Structures Impact The Pace And Cost? And Will Their Perception Of Raw Wood Drive Risk Premiums Higher

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How Will What Insurance Underwriters Feel About Risk On Tall Wood Structures Impact The Pace And Cost? And Will Their Perception Of Raw Wood Drive Risk Premiums Higher

September 14, 2019 by Steve Conboy

*Since we have no history of fire in a tall raw wood structure is the perception out performing char fire science when it comes to higher risk premiums that remove the competitive edge of mass timber verse steel and concrete?

* How do Fire Marshalls and Fire Figthers feel about tall raw wood mass timber structures with no fire protection during construction is that slowing down the permitting process? Please see video
When certain organic materials are heated, they undergo thermal decomposition and release flammable gases. Flashover occurs when the majority of the exposed surfaces in a space are heated to their autoignition temperature and emit flammable gases.

Flashover is one of the most-feared phenomena among firefighters. Firefighters are taught to recognize the signs and symptoms of rollovers and flashovers and to avoid backdrafts.

A lean flashover (sometimes called rollover) is the ignition of the gas layer under the ceiling, leading to total involvement of the compartment. The fuel/air ratio is at the bottom region of the flammability range (i.e. lean).

A rich flashover occurs when the flammable gases are ignited while at the upper region of the flammability range (i.e. rich). This can happen in rooms where the fire subsided because of lack of oxygen. The ignition source can be a smoulderingobject, or the stirring up of embers by the air track. Such an event is known as 'backdraft'. A delayed flashover occurs when the colder gray smoke cloud ignites after congregating outside of its room of origin. This results in a volatile situation, and if the ignition occurs at the ideal mixture, the result can be a violent smoke gas explosion. This is referred to as smoke explosion or fire gas ignition depending on the severity of the combustion process.

A hot rich flashover occurs when the hot smoke with flammable gas ratio above the upper limit of flammability range and temperature higher than the ignition temperature leaves the compartment. Upon dilution with air it can spontaneously ignite, and the resultant flame can propagate back into the compartment, resulting in an event similar to a rich flashover. The common definition of this process is known as auto-ignition which is another form of fire gas ignition.

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A backdraft can occur when a compartment fire has little or no ventilation, leading to slowing of gas-phase combustion(due to the lack of oxygen); however, the combustible fuel gases (unburnt fuel vapor and gas-phase combustion intermediates such as hydrocarbons and carbon monoxide) and smoke (primarily particulate matter) remain at a temperature hotter than the auto-ignition temperature of the fuel mixture. If oxygen is then re-introduced to the compartment, e.g. by opening a door or window to a closed room, combustion will restart, often rapidly, as the gases are heated by the combustion and expand rapidly because of the rapidly increasing temperature.

We have to wonder why these mass timber bridge fires did not stall on char.
Please see video 1Please see video 2 • . Please see video 3

Mighty Fire Suppression has a White Paper Report with 3rd party E84 extended accredited laboratory testing that made 3 ply NLT Class A with 0 flame spread and 20 in smoke index with E119 that shows less charring because we think that fire protection on mass timber only makes is safer and better. The goal was to prove that with applied fire science add to raw mass timber we create less risk for Insurance Underwriters so they can lower risk premiums for builders to make mass timber more competitive. On the Green side of this movement we are out to defend the carbon in wood from fire that would only release it back into the ozone to support a Carbon Tax Credit.

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