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Insurance in Action – Safety and Modern Methods of Construction

Published: 05/04/2017

Insurance in Action – Safety and Modern Methods of Construction

Modern methods of construction (MMC) can offer a range of potential benefits – from cost savings to quicker and more sustainable ways of constructing buildings.

However, as MMC become more prevalent, trends are emerging about problems that can be experienced when using them.

Zurich is currently assisting two customers that are experiencing near identical issues at their respective housing developments. Here, Flint shares their stories and offer our insights on how to best manage MMC risk. 

Unusual discoveries

The two developments concerned were built using common MMC, such as timber frames, wooden cladding and components manufactured off-site. Both developments are very similar in design, comprising around 100 apartments.

Almost a decade after construction, alarm bells began to ring once tenants and staff made a number of observations at the properties. These included cracks appearing in walls, uneven floor surfaces and windows and doors not fitting properly in their frames.

Disruptive investigations

Structural engineers were brought in to conduct intrusive surveys and establish the cause of these issues. This involved cutting into walls, ceilings and floors to look at the buildings’ core. 

Initial investigations raised major concerns, prompting wider investigations to be undertaken, such as sending samples of the buildings’ materials away for testing and notifying the respective fire brigades. 

Major fire risk

During the investigations, it was also discovered that the buildings were seriously lacking in their ability to resist fire.

  • Large voids existed in the internal structures. Such voids allow fire to move quickly and undetected throughout the entire building
  • Movement of the timber frame due to structural settlement and drying out had created holes in walls and around fire doors, breaching vital firebreaks
  • Large holes had been made in firebreaks walls and floors by contractors to install piping and electrical services, but had not been subsequently back filled

“A normal block of flats is designed to withstand a fire in a single apartment,” explains Thomas Pickett, Market Underwriter at Zurich. “However, in light of these discoveries, if a fire occurred we would probably be looking at a total loss to an entire building.”

Quick action required

To address the fire risks uncovered, Zurich and the respective Fire Brigade required a number of additional measures and improvements to be quickly undertaken including:

  • Fire stops to be reinstated throughout the properties
  • 24/7 security guards to monitor the premises and watch for signs of fire
  • Requiring tenants to immediately evacuate upon hearing an alarm
  • Additional automatic fire detection to be installed in various areas, and the system re-tested to ensure it can accommodate the extra loads
  • Thorough fire risk assessments to be undertaken – recommended to be audited by an independent specialist

A long road ahead

Both customers are currently making a range of risk improvements, in addition to sourcing quotes for the widespread remedial works needed to make the properties structurally sound and fire resistant.

One development has already been advised that they will need to completely demolish and rebuild two of their four blocks. 

“One of our customers is looking at estimates in the region of £750,000 just to undertake repair works,” says Pickett. “That doesn’t include things such as rent rebates, alternative accommodation costs and coordinating with all the apartments over the coming years.” 

Best practice tips

Problems such as those mentioned above are increasingly being experienced at properties constructed using modern construction methods. 

To help prevent these issues occurring, and to identify them early when they do, we recommend following these best practice tips:

  • Consult a reputable insurer from the outset – Flint is able to advise on underwriting and Risk Engineering experts, such as Zurich's who can suggest a range of intuitive design features to reduce your properties’ risks at little or no additional expense. Upfront savings using MMC may also be outweighed by their likely future costs; Zurich can recommend solutions that will meet both your short and long-term objectives
  • Contractor selection – many MMC are new or experimental, and not all contractors will have experience in using them. Always carry out thorough due diligence when selecting the type of construction and choosing contractors, even for those you have used before, checking especially for evidence of competence with the building methods of each individual project.
  • On-going monitoring – it is important to be vigilant in order to spot potential issues early such as settlement or escape of water, to minimise the costs of repair. Educate staff, building managers and tenants on the wide range of issues to look out for and report

Insurance is risk prevention

If you are planning a large building project, such as the ones discussed above speak to Flint, our claims experts have a wealth of experience that can be used to help you identify common risks. By analysing the insurance issues and employing effective risk management at the start of the project can help avert serious problems later on. We can put you in contact with relevant and trusted experts.

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