Further memorandum submitted by Zurich
Municipal
INTRODUCTION
1.1 Zurich Municipal welcomes the opportunity
to submit an additional memorandum to the Education and Skills
Committee Inquiry into Sustainable Schools. This document contains
additional information and statistics on school fires caused by
arson, the number of daytime fires, the total cost of school fires,
the benefits of sprinklers and Zurich Municipal's design guide
for schools. It is in addition to the original memorandum submitted
in June.
1.2 Zurich Municipal is the UK's leading
education insurer and risk management provider, giving us a unique
insight into the sector, and the sustainability issues it faces.
We have extensive experience of some of the key risk-management
issues facing schools, particularly in relation to fire safety
and tackling arson, and publish annual figures tracking the number
of incidents across the country. We also hold a considerable central
database of more than 13,000 schools which looks at the risk ranking
of schools.
1.3 Zurich Municipal has a long history
of working with local and national education departments and schools
to try to combat arson. Recently we've worked with stakeholders
to develop a range of educational materials under the Arson
Combated Together umbrella, and published a free design guide
for schools with the aim of encouraging the use of fire sprinkler
systems.
SUMMARY
2.1 In this memorandum, we have provided
additional information on:
The total number of school fires.
The number of school fires caused
by arson.
The number of daytime fires.
The total cost of school fires.
The benefits of sprinklers.
Zurich Municipal's design guide for
schools.
2.2 The current unprecedented level of funding
currently made available for school building projects provides
an excellent opportunity for the Government to review its policy
over the installation of sprinklers.
2.3 As our figures below show, the number
of school fires in the UK is unacceptably high, and the high proportion
of fires that are the result of a deliberate arson attack raises
important questions about how Government, and other stakeholders,
can tackle this problem.
2.4 The lack of adequate fire prevention
measures in our schools poses a serious safety risk, and the increasing
number of school fires taking place during daytime hours increases
the risks posed to pupils and staff. The increasing use of schools
by the community, by visitors unfamiliar with the layout of the
school, is also a potential risk factor that needs to be considered.
2.5 We believe that reducing the number
and severity of fires can be achieved by:
Additional funding and a firm commitment
to ensure sprinkler provision in all new schools, and wherever
possible, in those undergoing major refurbishment. The mandatory
installation of sprinklers in new schools will result in dramatic
cost savings for schools across the UK, and minimise the social
impact that large school fires have on communities.
Educating pupils about the consequences
of arson. For this reason Zurich Municipal has worked with stakeholders
to develop a range of educational materials under the Arson
Combated Together (ACT) umbrella.
TOTAL NUMBER
OF SCHOOL
FIRES
3.1 The total number of school fires in
the UK includes fires of varying degrees, from small fires that
are caught early and extinguished, to large fires that destroy
whole schools. Despite increasing public awareness of fire safety
issues, better security and a reduction in the use of combustible
materials in school design, the UK has not seen a marked reduction
in the number of school fires.
3.2 The figures below show the total number
of reported school fires. However, a 2006 survey of schools, which
was commissioned by the Department for Communities and Local Government
and undertaken by BMRB,[1]
shows that 43% of secondary schools have had a school fire in
the last three years, and half of school fires are not reported
to the Fire and Rescue Service.
Table 1[2]
| 1995 | 1996
| 1997 | 1998 |
1999 | 2000 | 2001
| 2002 | 2003 |
2004 |
Total Number of Fires | 1,821
| 1,882 | 1,636 | 1,372
| 1,675 | 1,421 | 1,719
| 1,498 | 1,496 | 1,512
|
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Graph 1

3.3 The survey also found that:
Over a quarter (28%) of secondary schools that
reported having had a fire said their most recent fire led to
a claim for financial assistance being made. The cost of fires
varied enormously: six fires resulted in over £1 million
worth of damage, although the median cost of fires that caused
any damage was £300.
72% of secondary school fires said the fire was
internal to a school building, rather than on playing fields/car
parks etc.
Nearly 80% of secondary school fires were considered
to be suspicious or deliberate.
36% of schools said their most recent fire led
to the temporary closure of at least one school facility.
SCHOOL FIRES
CAUSED BY
ARSON
4.1 Schools are prime targets for arson attacks because
the perpetrators are often past or present pupils of the school
who are familiar with the site, and the level of intruder protection
and detection in schools has, traditionally, been low.
4.2 At Zurich Municipal we realise that education of
young people is at the heart of the solution. Once pupils understand
the impact of their actions, the likelihood of an arson incident
is much reduced. For this reason, we have worked with stakeholders
to develop a range of educational materials under the Arson
Combated Together (ACT) umbrella. ACT is a theatre
education programme, aimed at reducing the number of arson attacks
in UK schools. We have also recently developed the ACT Fire
Service Toolkit, a practical education aid designed to teach
children about the danger and risk of arson attacks, provided
free of charge to Fire Services around the UK.
4.3 The figures below show that in most cases, school
fires occur as a result of arson. However, the true number of
arson cases is likely to be far higher than this due to the number
of suspected cases that are not categorised as "deliberate".
A 2006 survey of schools commissioned by the Department for Communities
and Local Government shows that nearly 80% of secondary school
fires were considered to be "suspicious" or "deliberate".[3]
Table 2[4]
| 1995 | 1996
| 1997 | 1998 |
1999 | 2000 | 2001
| 2002 | 2003 |
2004 |
Deliberate | 1,301 | 1,239
| 1,066 | 856 | 1,018
| 882 | 1,037 | 849
| 896 | 840 |
Other | 520 | 643
| 570 | 516 | 657
| 539 | 682 | 649
| 600 | 672 |
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Graph 2

DAYTIME SCHOOL
FIRES
5.1 A particularly worrying trend over recent years is the
increasing number of daytime fires in schools. Daytime fires present
a far greater risk to the safety of both pupils and staff, and
make the role of the Fire and Rescue Service incredibly difficult
due to the number of people on a school site at any one time.
Since 2002, almost twice as many school fires have taken place
during daytime hours compared with night-time hours.[5]
Table 3[6]
| 1995 | 1996
| 1997 | 1998 |
1999 | 2000 | 2001
| 2002 | 2003 |
2004 |
Midnight-5.59 am | 177 | 203
| 182 | 161 | 109
| 117 | 138 | 110
| 141 | 78 |
6.00 am-11.59 am | 343 | 462
| 334 | 297 | 431
| 372 | 477 | 437
| 414 | 485 |
Noon-5.59 pm | 610 | 629
| 591 | 497 | 648
| 541 | 619 | 519
| 544 | 554 |
6.00 pm-11.59 pm | 689 | 589
| 529 | 417 | 488
| 391 | 486 | 432
| 398 | 395 |
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Graph 3

5.2 Graph 4 below shows that the proportion of daytime
fires has risen relatively steadily over the past 10 years, with
52% of fires taking place during daytime hours in 1995 compared
with 69% in 2004. With this trend looking set to continue, it
is, only a matter of time before a fatality occurs directly as
a result of a school fire.
Graph 4

COST OF
SCHOOL FIRES
6.1 The cost of school fires has remained consistently
high over recent years, and shows no sign of decreasing. As table
4 below shows, between 2000 and 2005 school fires in the UK cost
a total of £472 million.
6.2 Our figures show that school fires cost an estimated
£67 million in 2005a £16 million reduction from
the previous year. However, early indications show that this is
not the start of a downward trend. In the first six months of
this year alone the cost of school fires in the UK reached £52
million.
Table 4[7]
| 1995 | 1996
| 1997 | 1998 |
1999 | 2000 | 2001
| 2002 | 2003 |
2004 | 2005 |
Total Cost (£ million) | 55
| 55 | 51 | 45 |
42 | 65 | 85 | 96
| 75 | 84 | 67 |
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Graph 5

6.3 However, the financial expense of school fires is
only one of the costs associated with school fires. The social
costs of a large school fire are far-reaching and can have a long
lasting impact on those involved. School fires disrupt pupil's
education (particularly during examination periods), destroy coursework
and schoolwork, as well as irreplaceable teaching notes and aid,
force schools to teach in sub-standard temporary accommodation
and increase stress levels and reduce morale amongst staff. Schools
are also a valuable community resource that are often used for
activities out of school hours, such as local events, night classes
and weddings, meaning that a school fire can have an impact on
a greater number of people than is initially apparent.
6.4 Sprinklered schools that experience a fire are back
in action the same day, rather than the typical two years that
it takes to rebuild a school after a major fire. This minimises
disruption to children's education, and reduces the stress experienced
by school staff who have to teach in substandard temporary accommodation,
as well as technical staff at the local authority who are taken
away from normal duties to deal with the aftermath of a large
fire.
THE BENEFITS
OF SPRINKLERS
7.1 Sprinklers have a proven track record and are effective
in controlling fires, normally with fewer than five sprinkler
heads operating. There have been no fire deaths in the UK in a
building fitted with a fully maintained sprinkler system. Despite
the clear benefits of sprinklers, there are less than 200 systems
fitted in 30,000 UK schools, and in 2004 not one of the schools
suffering a large fire was fitted with a sprinkler system.
7.2 Schools are becoming more difficult to insure because
of the worsening loss record. A sprinklered school is a far more
attractive proposition to a wider insurance market. In recognition
of the effectiveness of sprinkler systems, Zurich Municipal offers
up to a 75% reduction in fire insurance premiums for schools that
have sprinklers installed, and will remove the mandatory deductible/excess.
7.3 The cost of fitting a sprinkler system in a new school
is typically less than 2% of the total build cost. For an Academy
school, the reductions in premiums alone can pay for the sprinkler
system in seven to 10 years. This will typically take 10 years
for a school in an LA that is poorly performing in terms of the
number of fires, 25 years for a school in an LA that is performing
well, and 10-15 years for a PFI school.
7.4 A sprinkler system can reduce building costs on new-build
or extensions by virtue of a trade-off with partition walls and
protection on escape routes. In addition, with such innovative
and contemporary design concepts being adopted in the new schools,
there is the potential with sprinkler protection to explore much
greater flexibility in designs that can ultimately satisfy and
often exceed the end user requirements. The provision of sprinkler
protection has the potential to release this level of design freedom
and should receive careful consideration.
7.5 The provision of sprinklers in schools also minimises
disruption to children's education, keeping the social costs of
large school fires to a minimum.
7.6 The mandatory installation of sprinkler systems in
all new schools will not only result in efficiency savings for
schools in the long term, but also the Fire and Rescue Service.
Extinguishing a large school fire can take between two and five
tenders with a fire crew up to 12 hours. Sprinklers are also considerably
more water efficient, with an average sprinkler using 5% of the
water used by a single fire service hose.
THE DESIGN
AND PROTECTION
OF NEW
SCHOOL BUILDINGS
AND SITES
8.1 In order to assist those involved in the design,
building and maintenance of schools, Zurich Municipal has produced
a design guide for schools, which gives practical advice to help
design schools that are less susceptible to arson attack, as well
as theft and vandalism. This includes further information on the
use of sprinklers and suitable construction materials in the design
of schools, and is appended to this memorandum.[8]
CONCLUSION
9.1 Zurich Municipal believe that sustainable construction
needs to place much greater emphasis on the fire risk associated
with modern construction methods.
9.2 Additional funding and a firm commitment must be
introduced to ensure sprinkler provision in all new schools and,
wherever possible, in those undergoing major refurbishment.
9.3 The mandatory installation of sprinklers in new and
refurbished schools would massively reduce exposure and vulnerability
to fire, and therefore reduce the number of pupils studying, often
for a number of years, in uninspiring mobile units.
9.4 Zurich Municipal is keen to share best practice with
all those involved in the construction of new schools, either
through Building Schools for the Future or more conventional procurement
methods.
June 2006
1
Survey undertaken by BMRB on behalf of the Department for Communities
and Local Government. Summary of results circulated at Arson Control
Forum meeting, 11 July 2006. Back
2
Department for Communities and Local Government, Fire Statistics,
United Kingdom 2004 (breakdown by type of building available on
request). Back
3
Survey undertaken by BMRB on behalf of the Department for Communities
and Local Government. Summary of results circulted at Arson Control
Forum meeting, 11 July 2006. Back
4
Department for Communities and Local Government, op cit. Back
5
For the purposes of this document, daytime hours will be defined
as 6 am to 5.59 pm, and night-time hours defined as 6 pm to 5.59
am. Back
6
Department for Communities and Local Government, op cit. Back
7
This is an extrapolation of data held by Zurich Municipal to
reflect their market share, and the existence of large deductibles
(average £100,000 each and every loss) for individual LAs. Back
8
Not printed. Back
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