April 24, 2023

Noncombustible Construction Insurance in California

Noncombustible building materials are an excellent alternative that guards properties against one of the most destructive elements— fire. In noncombustible construction, the building’s exterior wall, roofing, support, roofing deck, and floor comprise non-flammable and slow-burning materials. In addition, property owners opt for non-combustible construction because their materials are easy to erect and economical to build. Interestingly, buildings of noncombustible materials face an additional fire threat contrary to its fire-resistant policy. Generally, steel is a noncombustible material that doesn’t burn; however, it’s an ignition source in case of fire. It also adds a fuel load that encourages fire to spread or grow at disastrous levels. Fortunately, insurers provide noncombustible insurance, special coverage for buildings that use non-flammable materials. If you’re looking to protect your building from risks associated with noncombustible building materials, consider acquiring tailor-made business property insurance.

Risks of Noncombustible Construction

Although noncombustible construction improves the structural and safety features of a building, it exposes property owners to the following risks;

They contain steel that loses strength after exposure to high temperatures
Built with slow-burning materials that add fuel to the fire
They’re unstable during fire incidents
They’re highly vulnerable to damage

In addition to the above risks, noncombustible construction faces everyday perils such as fire, storms, frozen pipes, earthquakes, floods, aircraft collisions, and explosions.

What Does Noncombustible Construction Insurance Cover?

Loss of Income

Although noncombustible construction aims to protect buildings in California from disasters like fire, sometimes it falls short. For instance, if plywood sheathing is attached to the inside of exterior walls, it increases the risk of combustion. In a fire incident, you could lose rental income because the current tenants will move to alternative buildings. Moreover, fire may gut down your stock or destroy your office premises affecting your business operations. Noncombustible construction insurance offers a cash injection to cater for lost income the business suffered because of the fire incident.

Cost of Repair

A building can suffer massive damage following disasters like fire, explosion, floods, storms, or earthquakes. Unforeseen disasters can cause enormous damage to frames, walls, windows, attached buildings, and roofing. Noncombustible construction insurance covers the cost of repairing or rebuilding a damaged building.

Liability Protection For Buildings

Noncombustible construction insurance also protects property owners from any liability associated with the building material. For instance, most noncombustible construction feature metal siding. A puncture in the metal walls can allow water into the building, encouraging the formation of mold, which is a risk to the tenant’s health. If a tenant sues the building owner, the noncombustible construction insurance helps cover the costs associated with the lawsuit.

Protect Your Investment With Noncombustible Construction Insurance

An office block or a warehouse is an integral part of commercial enterprise. If fire guts down the building, a business owner will incur massive losses in reconstruction efforts or rental charges. It is, therefore, prudent to protect your investment with noncombustible construction insurance. At Panorama Insurance Agency Northridge, CA, we work with multiple insurers to provide a tailor-made policy that adequately covers your building. Contact us online or call us at 818-781-6630 to learn more.

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