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  Standard Fire & Special Peril Policy

Fire insurance provides coverage for the loss of your property caused by fire. Usually, a policy has four areas of coverage: the dwelling, other structures like a detached garage, gazebo, or a guest house, personal property, and the loss of use or additional living expenses in case if you have to move out and live somewhere else until your property is rebuilt or repaired. However, depending on the type of property and the needs of the insured, there is no standard one-size-fits-all policy. In fact, there are several different types of fire insurance policies that vary based on the area of coverage.

There are two process-freezing techniques - contact freezing and air blast freezing.

These type freezers have lower operating costs, particularly from the standpoint of the amount of refrigeration required to accomplish the freezing and the cost of the associated energy required to do the freezing.

Contact freezers are most commonly referred to as plate freezers, as the freezing media are flat plates to which the food products are brought into direct contact. The plates are hollow between the two flat surfaces which the product contacts. Cold refrigerant flows through the hollows, chilling the plate surfaces and thus freezing the product.

Horizontal plate freezers are most commonly used for packaged product. It is important to note there are limitations on the kind of packaging that either vertical or horizontal plate freezers can handle, relative to the shape of the package. Moreover, the plate spacing must be mechanically set for a given size package so that only one package size can be accommodated at a time. If it is desired to process a different size package, the plate spacing must be reset. This is an obvious limitation to the versatility of the plate freezer.

Air blast freezers are also produced in two varieties: batch and continuous. Batch-type air blast freezers are of quite simple construction and are thus much lower cost than continuous freezers. Typically they are used for packaged and palletized product, although they are also used for loose product in totes, barrels and bins. A blast freezer of this type is often comprised of a small room that can be closed off from the rest of the facility, but with a large door for ease of access with fork trucks, a rack system for holding the product in a preset geometric array during freezing and a powerful air-cooling unit.

Unpackaged product is frozen in this kind of freezer. It too comprises a room that is closed off from the rest of the facility, the only openings in which are the conveyor openings for the inflow and outflow of the product, and access doors for personnel. The cooling coils are typically very large and the fans are mounted remotely from the cooling coils so they can be located strategically to optimize airflow for the most efficient cooling.

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