Posts tagged ‘thatch insurance’
Fire – Causes
A report from fire investigators Burgoynes into the cause of thatch fires revealed ejected embers and sparks as one of the main causes.
Investigations have shown that many thatch fires relate to the use of wood burning stoves and have occurred within 30 minutes of the stove being lit. In addition, some home-owners were found to be using unsuitable materials to get the wood burner/fire started in the first place.
Other causes can increase the risk of the effects from ejected embers or sparks, these include:
Spark Arrestors – If not cleaned at least once a year then soot deposits can build up and ignite causing a fire in their own right, which in turn could cause a thatch fire. A number of fire services recommend the removal of spark arrestors although a wire-mesh bird guard could be installed to deter birds from nesting but still allow the chimney to function efficiently.
Chimney Height – The risk of a thatch fire is further increased when the chimney height has been reduced following many years of re-coating works, this is more common with thatching materials such as long straw.
Fire Retardant Sprays
The main purpose of a fire retardant is to starve the ignition area of oxygen and therefore delay the spread of flame and the full development of a thatch fire. The idea is to buy more time so that the fire and rescue service have a greater chance of extinguishing the fire before it fully develops.
Thatchsayf Spray System is a water based solution containing fire retardant and intumescent ingredients for the protection of thatched roofing.
This environmentally friendly solution is applied externally to the thatch surface and penetrates the stems of the thatch by up to 75mm, forming a thin protective film on the surface of the thatch stems.
A treated roof will offer protection from a number of fire risks, including sparks, ejected embers, bonfires, Chinese lanterns, fireworks and barbecues.
On exposure to these risks, Thatchsayf Spray System will ‘foam up’ (intumesce) and form a carbonised char, which binds the thatch stems together, cutting off the supply of oxygen to the fire, delaying the spread of flame and lowering the radiated heat output.
The application of Thatchsayf Spray System is undertaken by our fully trained employees using specialist spraying equipment and is normally carried out between March and the end of October. This is due to the high levels of moisture in the air during the winter months.
Once a roof is treated, the homeowner is issued with a Certificate of Completion, which is valid for five years after which re-application is required.
A new build/newly thatched roof offers a good opportunity to treat a roof. However, an existing thatched roof can also be treated as long as it is in good condition. Thatchsayf Spray System can be applied as a standalone product or in addition to having a physical fire barrier system installed.
We suggest you contact your insurance company to check if any discounts are available for taking a proactive approach by treating the roof with a fire retardant spray and fire barriers.
Thatchsayf Spray System has been tested to vigorous testing by the British Research Establishment (BRE). Further details of testing is available upon request. Thatchsayf Spray System is tested to BS476 Part 3 and achieved the designation of EXT.S.BA
The benefits of Thatchsayf Spray System
- Fire penetration may be delayed for over 30 minutes with no spread of flame
- Can be applied to new or existing thatched roofs
- Contains preservatives
- Retards bacterial and fungal growth including moss
- Application is fully certified for 5 years
- Environmentally friendly
- May reduce insurance premiums
Good advice for your thatched property.
During recent times we have seen an increase in the number of calls from people who are in the process of purchasing a thatched property and are looking for more detailed advice; covering areas such as chimneys, electrical systems, insurance providers, and much more to include the names of local thatchers.
In light of the increased requirement in the industry for more advice, we have updated our safety advice leaflet. The new leaflet gives guidance on areas such as chimneys, wood burning stoves, electrical systems, detectors & alarms and fire barriers.
Over the coming weeks we will be supplying thatcher’s with copies of the leaflets so that if required, they can hand out these to home owners.
Thatch is enjoying a resurgence. Architects, builders and owners increasingly acknowledge the advantage of thatch insulation and aesthetic qualities. Recognising this increasing popularity the eight building control authorities throughout the county of Dorset reviewed current building controls for a thatched roof.
The result of these controls will:
- Either protect the main structure of the building if a fire occurs.
- Or provide better protection for the roof members if a fire occurs.
- Require an acceptance to treat the thatch as sacrificial in a fire.
Companies specialising in thatch roof insurance welcome the “Dorset Model” and recognise that it will reduce the premiums paid.
Rob Norcott of Thatching Advisory Services was invited to write an article for the International Fire Fighter magazine.
The IFF magazine reports world wide to professionals in municipal and industrial fire and rescue services. The magazine is subscribed to across the globe in 36 countries.
The 5 page piece was centered around the importance of separation in construction on thatched roofs. The article also takes you through common causes of thatch fires and the various systems and preventive measures available.
To read the article in full follow the link below.
Thatching Advisory Services were asked to speak at the Institute of Historic Building Conservation (IHBC) – Southern Branch AGM in Newbury on Friday 23rd November.
The theme of the AGM was ‘Fire! Fire in Historic Buildings: Prevention, Reaction and Repair’ The event was well attended with more that 60 people present from a wide range of backgrounds to include Conservation, Architects, Building Control, Surveyors etc.
Rob Norcott one of the Directors at Thatching Advisory Services was pleased to be able to share information, knowledge and experience with those who attended the event.
Rob’s presentation themed around ‘reducing risk of fire in thatching buildings’ covered many areas such as:
- The Issues – Contributing factors for Thatch Fires
- Common Causes – Heat Transfer & Ejected Embers from Chimney’s
- Solutions – Covering general good practice, chimney’s and flue linings
- Products – Covering our range for fire barriers and systems to include:
- TAS100 Thatch Fireboard – Rigid barrier
- Thatch Firewall Membrane – Flexible barrier
- Thatchbatts® – Non-combustible insulation
- Thatchsayf – Fire Retardant Spray
- Thatch Alert – Chimney Monitoring System
Rob was also able to discuss and answer questions about suitable product testing and provenance, plus how products comply with the criteria’s set out in Building Regulations and the ‘Dorset Model’.
Thatching Advisory Services have recently updated and re-written their fire protection for thatched homes leaflet. The leaflet contains information on the different thatch fire protection products and systems available, including – TAS100 Thatch Fireboard, Thatch Firewall Membrane, Thatchbatts®, Thatchsayf – Fire Retardant Spray and our chimney monitor system, the TAS-33 Thatch Alert .