Types of Loss/Commercial/Fire & Smoke

The Fire May Be Contained. The Loss Usually Isn't.

Commercial fire losses extend far beyond the area of origin. Atlas develops detailed scopes for fire, smoke, water, demolition, code-related work, and reconstruction, organized around the way the building actually has to be restored.

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The Process

A commercial fire is the burned area, plus everywhere the smoke went, plus the sprinkler discharge. Atlas documents it by system, writes rated assemblies back to their rating, separates shell and core from each tenant's improvements, and carries the sprinkler, alarm, and emergency lighting work that has to be tested and signed off before occupancy, all from a measured sketch in Xactimate®. Where the fire marshal's findings or an engineer's report define the structural repair, Atlas writes from them.

Where Scopes Come In Short

What Burned Decides What Cleans

Pressurized smoke doesn't stay in the ductwork. It goes under doors, through cracks, through the drywall itself, and nothing in its path is saved. A fire that took PVC pipe and fittings with it sends chemicals through the building that corrode panel bus bars, appliance faces, and every other bare metal surface within a day or two. The scope has to know what burned before it says clean, seal, or replace.

Above the Ceiling

Soot in the ceiling cavity means duct cleaning by the foot, the insulation up there out and back, cabling inspected or replaced, and RTU coils cleaned or replaced. None of it shows from the floor.

Shell and Core Apart from Tenant Improvements

Rated walls, structure, and the base building systems are one scope. Each tenant's partitions, ceilings, millwork, and finishes are written on their own, so the file separates by suite without anyone re-measuring.

Recommissioning Is Trade Work

Sprinkler heads and branch lines, the alarm panel and devices, emergency lighting and exit signs, rated door hardware. Replaced by licensed contractors, hydrostatically tested, recertified, and inspected before reopening. Each is a line, with the testing on its own.

Code Note

A commercial fire rebuild at permit brings rated assemblies, alarm, suppression, egress, door hardware, and accessibility to current requirement. Each upgrade over like-for-like is written on its own line.

What Comes Back

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The rebuild written by system, top down and trade by trade: shell and core separated from each tenant's improvements, rated assemblies back to their rating, the ceiling cavities and ductwork the smoke traveled through, and sprinkler, alarm, and emergency lighting recommissioning with their testing. Photo report by area and by suite. Measured sketch.

Other Types of Loss

Ice Dams & Frozen Pipes

Residential

Roof & Snow Load