Insurance Companies Are Requesting Thermal Electrical Surveys

Insurance companies are engaged in safeguarding businesses against unforeseen financial losses. Homeowners and businesses can safeguard against or recover from economic losses resulting from natural disasters or other accidents. Thus, insurance companies need to take precautions to minimize risks while providing enough cover to the businesses and homeowners.

Insurance companies offer a variety of contracts, depending on what their clients want to ensure. Businesses have to prepare for all eventualities. Whether it’s the elevator that needs urgent repairs or the HVAC system that’s failed, they have to buy adequate insurance cover.

Risk analysis and Preventive action 

It’s impossible to prevent natural disasters, but risks like fire outbreaks and water leakages can be easily prevented through risk analysis and early preventive action. Fire outbreaks, often caused by human negligence, can be easily prevented if frequently checked for overloads, over-current, loose electrical connections, etc. Water issues can also be detected by timely inspection of the pipeline and maintenance.

Thermal imaging or thermography has emerged as a preferred risk analysis method undertaken by insurance companies before offering contracts to businesses. Some insurance companies have made it mandatory to conduct thermographic surveys by trained engineers to maintain electrical panels and building installations efficiently. These surveys help detect the problems at an early stage and improve the overall performance and effectiveness of the systems.

Thermographic surveys detect defects such as overloading, overheating, faulty connection, and even corrosion with great accuracy. Electrical systems often deteriorate due to overloading, overheating, corrosion, and faulty connections, which are easily detected through thermal imaging.

What is a Thermographic Survey?

The process of inspecting and detecting anomalies in electrical installations through infrared imaging instruments is called a thermography survey. Higher temperatures in the electrical system can result in severe consequences like system failure or even an explosion. However, a regular thermographic inspection of electrical systems can help detect faults as preventive maintenance.

Over the last few decades, the use of IR thermography in the electrical industry has rapidly grown in popularity. It’s continuing to grow at a tremendous pace! IR technology in determining the abnormally high temperatures in electrical panels and distribution systems is included in the preventive maintenance strategy by businesses across the globe.

How Thermography Survey Works?

A thermography survey, better known as infrared imaging, is checking the heat emitted from the surface of an object using infrared radiation. Infrared radiation detects temperature differences in electrical panels and converts them into a temperature value or thermal image.

Thermal images facilitate the analysis of the thermal state of an object or surface using infrared cameras.

Importance of Conducting Thermographic Surveys

Insurance companies list thermographic surveys of electrical equipment under the Preventive Maintenance Fault Finding. The primary objective is to detect electrical faults even before they lead to failure, corrosion, or fire.

Accumulation of heat in an electrical component can result in a complete breakdown if ignored. However, it is difficult to detect faults with the naked eye or other equipment. On the contrary, infrared cameras are built explicitly for finding defective electrical parts, components, or systems. Thermographers analyze thermal images by infrared cameras, and a detailed report is produced. Thus, factory owners, managers, and other responsible authorities or personnel can take preventive action and prevent breakdown even before it shows indications of failure, overheating, or overloading. Early detection of faults using thermography helps in mitigating production loss.

Disruption in production due to equipment failure leads to financial losses for companies and a rise in insurance claims. This is undesirable for insurance companies, which intend to protect their economic interests by employing various risk mitigation tools like thermal, electrical surveys.

What is the Role of Insurance Companies in Thermography Surveys?

The primary objective of an insurance company is to offer protection against financial losses to the concerned business or house. Further, they also protect business owners and homeowners from overcoming the financial losses suffered due to natural disasters or other mishaps.

An insurance contract depends upon what you need to ensure to safeguard yourself from financial losses. Business houses need extra protection against financial losses since equipment failure is a common occurrence. Thermal, electrical surveys can help both businesses, and insurance companies cut down failure and financial losses.

What is the Role of Insurance Companies in Avoiding Electrical Breakdowns through Thermography Surveys?

Today, most insurance companies are using thermographic surveys to detect wear and tear in electrical systems. By using thermographic surveys, they can detect early signs of defects or faulty connections. Significant failures can be avoided by replacing inexpensive components during periodic preventive maintenance.

Insurance companies thrive on accurate risk analysis, and industrial insurance covers usually run into hundred thousand dollars. Thus, even a minor equipment failure can determine the profit or loss from an insurance contract. Electrical thermography can detect minor temperature changes, which are some of the primary reasons that lead to considerable damage in leakage, explosion, and fire.

The method of thermal, electrical surveys is safe since it is a contactless way to detect leakages, moisture penetration, thermal state, and insulation in electrical installations. Insurance companies cover most of the risks for which businesses seek protection. Thus, insurance companies are requesting thermal, electrical surveys to safeguard their economic interests.

Takeaway

Insurance companies provide financial coverage against various industrial risks like electrical fires, breakdown, moisture intervention, and many others. Thermal electrical surveys cut down financial losses and enhance the safety of a building that houses the electrical system. However, with the rapid developments in infrared technology, the latest thermography instruments can detect even minute temperature differences and alert the maintenance personnel before anything undesirable occurs.