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Tractor Talk Discussion Forum

Fire Concrete?

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Glenn FitzGeral

12-15-2007 16:57:49




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I was talking with my insurance agent the other day about insurance coverage on my buildings. He said the concrete is simply cleaned off and re-used in the case of rebuilding after a fire. Is this so? I have not had much experience with burnt down buildings, but I know the barn fire of 1953 sure did a number to my grandparent's poured concrete silo. It was unusable and unsafe after the fire.

These insurance guys sure are full of smooth talk when they're on the receiving end!

Glenn F.

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NE IA

12-16-2007 19:01:45




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 Re: Fire Concrete? in reply to Glenn FitzGerald, 12-15-2007 16:57:49  
Get another insurance Company. You may or may not have to replace the concrete as others have said. You can check for yourself after a fire with no more than a hammer. If it chips off easy you know it has been damaged. Another way is a power washer with a zero tip or a dirt buster tip. Rock walls can be mudded up on two story farm houses even if they have been fired to the point of mortar that can be dug out with bare fingers. Power washing the walls first then plaster them up with one one one mortar.

Concrete walls 90% of the time with two story buildings are usualy tear down projects.

As far as insurance Companies, well they are like every other business and fellow man. Some give fair deals others probably not. I have seen adjusters pay way over the top, and others I have went tp bat for the home owner to right a serious wrong. I'm old and trusted with all the local adjusters. Many in another distant area assume I am out to screw them before our first conversation.

In all this, I have seen probably more maintinance done by insurance companies, that home owners do themselves. Perhaps that is why our rates are so high also.

If the misfortune ever hits home with a flat floor, simply adjust your sidewalls 4inches or so higher so you can pour a slab over the top.

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RodInNS

12-16-2007 10:00:52




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 Re: Fire Concrete? in reply to Glenn FitzGerald, 12-15-2007 16:57:49  
We reused the floor in a barn that burnt on us 13 years ago. There was no problem with it but that floor was also covered with a foot of frozen manure at the time of the fire so it never had a chance to get hot really.
There were no questions from our insurance to begin with regarding what to do with it. Once the cause was determined we had our cheque for the full insured value, paid out in 18 days from the fire. They could care less what we did with the old floor, or the money for that matter.

I think I'd look at any floor that had a fire tho... If it gets hot enough the concrete will start spalling. If it's hot enough when the water goes on it will crack. Just depends on the situation....

Rod

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mark

12-16-2007 09:09:04




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 Re: Fire Concrete? in reply to Glenn FitzGerald, 12-15-2007 16:57:49  
Have you never heard the old saying:
"They saved the foundation"?

That was sort of a joke about our local VFD when I was a kid...but it is a valid comment. Most of the heat does go up andmany times the foundation and concrete floors are saved. HOWEVER...it would pay to have an independent building inspector assess the damage before accepting the insurance company's spiel. I have a cousin out in the L.A. area and that is all he does for clients and they generally win in court...if the Insurance company doesn't back down after his investigation.

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Mattias

12-16-2007 02:25:24




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 Re: Fire Concrete? in reply to Glenn FitzGerald, 12-15-2007 16:57:49  
It really depends on how hot it has been.



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Marlowe

12-15-2007 19:25:55




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 Re: Fire Concrete? in reply to Glenn FitzGerald, 12-15-2007 16:57:49  
been on fire dept for 35 years and have seen some that did not get hurt real bad and some that would blow up it all depends on the fire load over the concrete had a place with tires in it floor was junk had lots of barn fires some came out just fine others had bad spots it's a crap shoot as to how it will hold up



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Sid

12-15-2007 19:13:42




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 Re: Fire Concrete? in reply to Glenn FitzGerald, 12-15-2007 16:57:49  
They tried to pull a fast one on me one time. I tried to collect on a barn fire and they insisted on rebuilding the barn like it was before the fire. Well I showed them a thing or two. I immediatley canceled the policy on my wife.



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iowa_tire_guy

12-15-2007 18:00:14




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 Re: Fire Concrete? in reply to Glenn FitzGerald, 12-15-2007 16:57:49  
Don't know much about insurance and don't like what I do know but as for fire I have observed some things. The most important is that heat goes up so the floors don't get really all that hot. We had our barn burn to the ground in 1976 and the concrete floor is still good. Also our neighbors house caught fire but did not burn down and in the living room where the heat was intense enough to melt the ceiling fan and smoke detector a box of Kleenex was sitting on a table 2 foot off the floor unhurt. Your grandparents silo was up in the air where it caught most of the heat.

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