.png)
.png)
Concrete is the backbone of countless public buildings in the UK, from schools to hospitals, bridges, and more. However, a crisis is looming as investigations reveal widespread issues with concrete structures that could have severe implications. In this blog, we'll delve into the RAA (Reinforced autoclaved aerated concrete) concrete crisis, explore its insurance implications, and explain how we can offer solutions.
In recent years, concern about the quality and safety of a specific type of concrete in public buildings has come to the forefront. RAA is a lightweight and cheap concrete building material used between the 1950s and 1990s. It was used widely in local authority construction projects due to its affordability. RAAC is most commonly found in premade roof and wall panels. This material only has a lifespan of around 30 years and is also susceptible to water damage. Investigations have revealed issues related to a lack of proper maintenance and inspection along with panels deteriorating faster than expected. These problems have the potential to compromise the structural integrity of these buildings.
For schools, hospitals, and other public facilities, this crisis poses a significant risk. Not only could it lead to safety hazards, but it can also have financial repercussions due to the potential need for extensive repairs or even rebuilding. It is yet to be seen how widely this material has been used in privately owned buildings and homes.
When it comes to insurance, the concrete crisis in public buildings can be a double-edged sword. On one hand, insurance providers may become more cautious about offering coverage to buildings containing RAAC. This caution can lead to higher premiums or even denial of coverage.
On the other hand, insurers are unlikely to cover gradual deterioration or inherent defects. This could lead to situations where claims related to concrete issues are partly denied, leaving building owners and authorities to bear the financial burden.
What would you do if you found out your building wasn’t safe to use? We can help provide a bespoke BCP to help you plan for any eventuality. This would include a thorough initial risk assessment, emergency response plan, including temporary relocation plans and a communication strategy, alongside financial planning to ensure there are reserves to deal with any unexpected costs. Our experienced health & safety professionals would help you proactively address any concerns now and support you to undertake regular inspections to help you identify potential issues before they arise.
Our trusted health & safety partners can provide advice regarding RAAC concrete including providing a competent person, undertaking audits & site inspections.
We can provide you with up to the minute guidance and advice on how to identify and mitigate against the risk of RAAC concrete being present in your building.
We work closely with insurance providers to ensure that you are properly protected. As insurers respond to this evolving situation, we will continue to make certain our clients have the best possible cover at the most competitive price.
Our risk control team is here to help. Our comprehensive services can safeguard the well-being of your staff, clients and visitors as well as the financial stability of your business. Don't wait until it's too late; let Quality Care Group be your insurance partner in addressing potential concrete issues you may have.
.png){kind=small}
