Flood Damaged Homes can cause immediate deterioration to cavity wall insulation systems offering undue weight to the material. This causes the product to slump inside the cavity essentially causing a downwards effect leaving voids at higher areas leading to cold bridging not to mention penetrative damp.
It is the air-pockets contained within the insulant that retains heat, when excess moisture comes into contact with the material, the air-pockets become closed therefore losing its thermal conductivity.
Typically, air dryers and blowing fans are introduced in an attempt to dry the insulation in vain. Cases have been seen where blowing apparatus have been operational for weeks sometimes months and the cavity wall insulation still remains saturated. In addition, the insulation could be contaminated with harmful bacteria.
Escape of Water can be from above, below or midway and can enter the cavity walls from damaged fixed apparatus/pipes.
These entry points offer an opportunity for the insulant to consume the moisture. As the moisture is soaked into the insulation, this sometimes can offer resistance of the water therefore damp issues may not transpire immediately. As with Flood Damage, excess moisture in contact with insulation will naturally cause closure of the air-pockets, cause slumping of material and subsequent insulation failures.
This is also a direct breach of Clause 2 in the insulation guarantee and subsequently a loss to the insured.
Typically, it is deemed that there is not enough oxygen in a cavity to combust although heat stress can have an adverse affect on the insulation causing shrinking and subsequent thermal bridging. Cold bridging typically manifests in adverse weather conditions (winter/summer) therefore, transpiring issues may not be palpable for some time following fire damage.
Water used to extinguish fires can enter cavity walls via the external facades (bricks are porous) and into the cavity heads saturating the insulation system. The effect of this will be similar to Flood Damage and Escape of Water causing slumping of the insulation and closing of air-pockets therefore decreasing the thermal conductivity of the product.
Smoke particles can also contaminate the insulation which could be a cause of risk to health.
Damage by Theft can quite often have a negative impact on a cavity wall insulation system. Cases have been noted that entry points have been used by removing masonry or by removing windows. As both areas are remediated, insulation has been compromised leaving areas uninsulated resulting in voids leading to thermal & cold bridging.
This is a direct breach the Cavity Wall Insulation Guarantee in place therefore invalidating the policy.
Impact Damage whether it be vehicular, falling items or internally-activated; all can have adverse affect on cavity wall insulation systems both on-construction and retro-filled when the remediation measures take place.
When the outer-whythe of the property is removed and re-built, the insulation system will be altered and disturbed invalidating the insulation system guarantee.