We had a fire on the upper floor, and due to the soot damage, the entire roof insulation had to be removed. Our house is quite old, so there was only 10 cm (4 inches) of insulation between the rafters, without any vapor barrier or similar protection. The insulation was simply finished with drywall panels, that was all. At the time, this was probably acceptable, but today it no longer meets current standards.
However, our building insurance only wants to cover restoring the previous condition and refuses to pay the additional costs for improved thermal insulation.
According to the insurance policy, additional costs required by official regulations are supposed to be covered. I believe that the energy-saving regulations require better thermal insulation. Shouldn't the building insurance be responsible for these costs?
However, our building insurance only wants to cover restoring the previous condition and refuses to pay the additional costs for improved thermal insulation.
According to the insurance policy, additional costs required by official regulations are supposed to be covered. I believe that the energy-saving regulations require better thermal insulation. Shouldn't the building insurance be responsible for these costs?
M
MODERATOR31 Jul 2012 13:10If the attic is used as living space, the energy saving regulations require more thermal insulation than just 10cm (4 inches). Additionally, if insulation between rafters is intended to provide effective thermal protection, it cannot be installed without both a wind barrier and a vapor retarder membrane.
I cannot say whether the building insurance will cover this cost.
I cannot say whether the building insurance will cover this cost.
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