Building Safety Hub
Supporting building and fire safety excellence in tall residential buildings in England
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The Association of British Insurers (ABI) has today (13th March 2024) announced a risk-pooling Fire Safety Reinsurance Facility, with cover starting from 1st April 2024.
Reinsurance support is now in place to launch the Fire Safety Reinsurance Facility, in an industry intervention to help improve the availability of insurance for certain buildings with combustible cladding and other fire safety issues.
The Facility has been established by (re)insurance broker McGill and Partners with extensive support from the Association of British Insurers (ABI) and through working in partnership with the British Insurance Brokers’ Association (BIBA) which will ensure brokers are made aware of the Facility.
It has two key intentions - to expand capacity for insurers already writing business for affected buildings and to encourage competition across the market so that more firms will provide cover. The ultimate solution remains the urgent need for works to take place to make buildings safe and resilient. The Facility is expected to run for three to five years whilst this happens.
The first step will be for the participating insurers – Allianz, Aviva, Axa, RSA and Zurich – to enter higher-risk buildings they currently insure, and which are awaiting remediation works, into the Facility at the point of their annual renewal. These firms have continued to be active in the market and are the top five firms providing insurance cover for commercial and residential buildings.
The Grenfell tragedy and Dame Judith Hackitt Review exposed significant construction and fire-risk issues related to these buildings. As a result, insurers have to consider the heightened risk of an entire building sadly being destroyed in the event of a fire and have had to limit the amount of cover they could provide, because the risk is too high for one firm to cover on its own. Brokers, Freeholders and Managing Agents have instead had to source insurance cover from multiple firms, meaning that several insurers are involved in covering one building, creating a ‘layered’ effect and adding to the cost. It is these buildings which will likely benefit most from the Facility.
Buildings insurance premiums will continue to be based on a variety of risk factors, such as the type and age of the building, previous claims history and other property risks such as storm/flooding or escape of water. External factors such as construction costs and supply shortages will also have an impact
More information and FAQS on how the Facility will work is available here and information for brokers representing affected buildings is available from the BIBA.
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Latest issue of the Home Office’s fire safety reform programme bulletin (published 22nd February 2024), which is for anyone
who is interested in keeping updated on any changes to fire safety legislation and
guidance.- Fire Safety
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As the building control authority for higher-risk buildings, the Building Safety Regulator is reminding the construction industry about the deadline to be part of the transitional arrangements for building control approval.
These transitional arrangements allow projects to stay under the current building control regime – and avoid transfer to the Building Safety Regulator (BSR). Doing this ensures that eligible projects stay under the old rules and will allow projects - including building safety remediation work - to continue without delay.
This means:
- If your project had building control arrangements established before October 1st, 2023, and has made substantial progress before April 6th, 2024, it qualifies for transitional provisions.
- Under these provisions, your project can continue to be regulated by your existing building control provider. This will require your building control provider to be appropriately registered with the BSR.
- In order to benefit from this, it is essential that you give notice to the relevant local authority, indicating that your building work has progressed sufficiently. If your project involves an Approved Inspector (AI), ensure to provide a copy of this notice to your AI as well.
- Failure to send this notice to the local authority will result in your project transferring to the BSR.
- Projects must use a suitably Registered Building Inspector (RBI) to continue benefitting from the transitional arrangements.
Developers must take the required steps for their projects to qualify.
Further information is available on the news page of the Making Building Safer site.
- Building Safety Regulator
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The joint Fire Industry Association (FIA), Institution of Fire Engineers (IFE), Facade Special Interest Group (SIG), has released this comprehensive document to provide guidance on 'proportionality and risk when carrying out FRAEWs to PAS 9980'.
In line with PAS 9980 recommendations, this paper addresses crucial aspects of risk acceptability and proportionality of remedial measures, offering insights into the decision-making process regarding remedial actions.
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The new regulator is asking all those living in tall buildings in England to be aware of how new Building Safety laws affect them. These laws protect and empower people living in high-rise residential buildings (HRBs) to take part in safety decisions that affect them – as well as providing a clear process for reporting safety concerns. This is a major milestone in the journey towards safer high-rise living, placing residents’ rights front and centre.
The Building Safety Act provides a framework for ensuring the safety of residents living in HRBs – these are buildings 18 meters or seven or more floors in height containing at least two residential units. They are defined as ‘higher-risk’ under the Act. Residents of these buildings are urged to find out more about how the new law affects them.
Every high-rise building is now required to have a Principal Accountable Person (PAP), ensuring that those responsible for managing the building’s safety can be held to account for fulfilling their legal obligations.
The enhanced residents’ rights include:
- Assurance that safety risks in their building are being effectively addressed
- Access to ongoing information on what is being done to improve safety in their building
- Empowerment to voice safety concerns, with assurance that their concern will be taken seriously
- Clear, accessible, and easy to understand information regarding safety matters
- The legislation empowers residents to report safety concerns, assured that their grievances will be taken seriously. Clear protocols are in place for expressing concerns or making a complaint. Residents can raise concerns and issues to the PAP for their building.
Operating within the Health and Safety Executive, the BSR is a crucial part of the Government’s response to the Grenfell fire tragedy. An essential element of the new regulator’s role is to ensure the safety of high-rise residential buildings.
Philip White, Director of Building Safety at the Health and Safety Executive, said: “Residents are at the heart of our regulatory efforts. It’s vital for us to amplify their voices and to recognise the role they play in the safety of their buildings. Safety standards in high rise buildings must be assessed and managed by the Principal Accountable Person (PAP). The regulator will review how the building is managed and whether the PAP has complied with their duties.
“Our residents panel members represent the diverse resident community in high-rise buildings. They provide valuable insights based on their real-life experiences of living in a high-rise building. This engagement contributes significantly to our regulatory programme for HRBs.
The residents’ panel welcomes the new measures empowering high-rise residents. They are encouraged by the assurance that residents can speak up with confidence, knowing that their voices will not only be heard but also that their concerns will be considered fully.”
Marlene Price BEM, a member of the BSR Residents Panel, says: “Everyone should feel safe in their home, including the millions of people who live in high-rise buildings. The Building Safety Regulator is working to make this ambition a reality.”
Visit the Building Safety Regulator campaign website to learn more about BSR’s work to make buildings in England safer.
- Building Safety Regulator