Fire Load

Published: | Updated: May 5, 2018

Definition - What does Fire Load mean?

A building's fire load is the items contained in it that could contribute to a fire. It is calculated according to a unit based on a floor area. Insurance policies that cover fire damage will have a premium that is partly determined by the fire load of the insured building.

Insuranceopedia explains Fire Load

Fire loading depends on the materials present in the building. When a room is empty and constructed with pure cement from floor to ceiling, then it can be said to have a fire loading of zero.

Zero fire loading is next to impossible where industrial or commercial properties are concerned. Wood (for furniture or finishing) and electric equipment (computers, gadgets) are ubiquitous in working spaces. These increase the fire load because they are combustible or could emit sparks.


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