Does Adopting MMC Impact Insurance?

By Cliff

Modern Methods of Construction (MMC) use different construction materials than traditional building methods. Although this reduces the cost of new builds, and reduces timescales, it can also pose new risks.

Insurers are carrying out a respectable amount of due diligence when it comes to assessing new buildings which have involved MMC.

Modern construction efficiency

As a rule of thumb, anything that involves replacing brick and block with more sustainable construction materials, often processed away from the building site, is probably a MMC. For example, it might involve using manufactured building panels, building frames, homes consisting of pods or modules, or a combination of these.

Perhaps halving the time it takes to construct a new building and using elements created in a controlled factory setting with inbuilt quality control are both attractive propositions. But what’s the catch?

What are the downsides of MMC?

Commonly acknowledged potential problems involve fire resistance, maintenance and repairs. Some buildings based on MMC pose a real fire risk because the materials used are more susceptible to fire. Timber frames are a good example.

The ability of some MMC to withstand extreme weather events is a concern, and the general longevity of a MMC building is also relatively unknown.

There are also questions surrounding future repairs or upgrades. If a tradesperson making a repair or providing maintenance services wasn’t involved in the initial new-build process, and they apply techniques used on traditionally built houses, this could cause issues.

At Home Counties Insurance, we will often come out and look at your building to understand what we need to highlight to potential insurers, to protect you without unnecessary premium hikes.


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