Loss adjusters

If the incident constitutes a reportable accident as defined in legislation the plant engineer will also ensure that the incident is immediately reported to the Factory Inspectorate. The Inspectorate will decide whether they wish to carry out an enquiry and, particularly if there has been loss of life, the accident site may be compulsorily isolated. Unless this is so, investigation by the insurer or a loss adjuster acting on his behalf may proceed. 

One solution to the problem mentioned above is not to rely solely on flow symmetry, but to achieve equidistribution by pressure-loss adjustment by means of flow resistors (see Figure 4.98) [140, 141, 148). In the flow sequence consisting of a main stream tube, fluid inlet, damping tank, distribution tubes and micro device such as a micro mixer, the main pressure drop is nearly always on the last side. The separation layer mixer acts here as a pressure restrictor similar to the sparger mentioned above. This requires accurate control over structural precision of micro fabrication. 

The technique is illustrated schematically for temperature jump in Figure 2.40 (124), in which the rate of mass-loss, w, is plotted as a function of time. The rate, at a constant temperature, Tx, proceeds along a smooth curve until time, t, when the temperature is jumped to a new value. T2. At Tz, the mass-loss adjusts to the new temperature and as temporal lags dissipate, it follows... 

A loss prevention and control service organization maintained for the policyholders of three major industrial and commercial property insurance companies Allendale Insurance, Arkwright, and Protection Mutual Insurance. Factory Mutual provides loss control engineering, loss adjustment, insurance appraisals, building plan review, research, and education services. Fire and loss prevention equipment that has passed specific FM testing standards are considered acceptable for fire protection service and are provided with an FM listing or label. 

Loss Ratio The loss ratio is a formula used by insurers to relate loss expenses to income. Formula (incurred losses + loss adjustment expenses) -s- earned premiums. 

Expected loss ratio A formula used by insurance companies to relate expected income to expected losses. The formula for the expected loss ratio is (expected incurred losses + expected loss adjusting expense) expected earned premiums. 

The ratios alone do not show the whole picture, so it is important to view the underlying dollar amounts. An increase in expense ratios does not necessarily indicate an increase in expense dollars (Bok and Shields 2001). An increasing expense ratio could just as easily result from a decrease in net written premiums provided that expenses are not decreasing at a quicker pace (Bok and Shields 2001). The first expense is what it costs to write insurance-expenses incurred or expense ratio (Bok and Shields 2001). This category includes employee salaries, agent commissions, overhead costs, company cars and other expenses incurred just to open the doors and provide a service. This amount also includes loss adjustment expenses. 

Adjustable speed drives (ASDs) are commonly used in industrial applications because of their efficiency, but they are often susceptible to power fluctuations and interruptions. Disruptions in industrial settings are highly undesirable, and down time of a machine in a continuously running process can cause significant monetary losses. Adjustable speed drives that can "ride-through" power supply disturbances are valuable tools for industry. 

Heat exchanger cost laws often can be adjusted with little loss of accuracy such that the coefficient c is constant for different specifications, i.e.. Cl = Ca = c. In this case, Eq. (7.23) simplifies to ... 

Within this range we can modify the volume fraction without losses in the coupling factor and thereby can adjust the acoustic impedance to our demands. 

The method is based on the conversion of urea to amnionium carbonate and the estimation of the latter by titration with standard acid. For this purpose, two equal quantities of urea (or urine) are measured out into two flasks A and B. A is treated with 10 ml. of a strong urease preparation and some phenol-phthalein, warm water is added and the mixture is adjusted by the addition of V/io HCl from a burette A until the red colour is just discharged. This brings the mixture to about pH 8 (the optimum for urease) and also prevents loss of ammonia. 

Positive-displacement meters are normally rated for a limited temperature range. Meters can be constmcted for high or low temperature use by adjusting the design clearance to allow for differences in the coefficient of thermal expansion of the parts. Owing to small operating clearances, filters are commonly installed before these meters to minimize seal wear and resulting loss of accuracy. 

Pre-Production Handling. Salt-cured catde hides, when received at the tannery, are individually bundled to prevent excessive moisture loss. The bundles are tied with ropes that are later cut and removed the hides may be sorted for different weight or quaUty classification at this point. It is best to have hides of similar size and thickness in a given production batch to assure an even reactivity of the processing chemicals and to avoid frequent adjustments in the machinery to compensate for size and thickness variations. In the modem large tannery, the size/quaUty classification is not necessary because the hides arrive in carload quantities under specifications as to size, type, and month of slaughter. 

Factory Mutual provides loss prevention data sheets that explain how to protect buildings from wind damage. Pressure coefficients that define increased uplift at corners and edges adjust the calculated uplift pressures. A laboratory uplift pressure test rates roofing assemblies. An uplift pressure of 2.9 kPa (0.42 psi) must be withstood under FM conditions to meet the Class 1-60 requirements. The FM approval guide is revised aimuaHy (37). 

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