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Building Insurance for Mass Timber

As mass timber projects have proliferated across the U.S., many developers, building owners and contractors have found that insurance companies unfamiliar with these types of buildings are reluctant to provide insurance. Their questions to WoodWorks are typically: 

  • What information is available to alleviate insurance company concerns about building safety and performance? 
  • What specific challenges have other teams faced and how were they overcome? 
  • What is the best path forward?
Oregon Conservation Center / LEVER Architecture / photo Lara Swimmer
Oregon Conservation Center / LEVER Architecture / photo Lara Swimmer

The insurance challenge tends to present itself in two forms: builder’s risk insurance (or course of construction) and fixed property insurance (after the building is complete and occupied). Relative risks are assessed differently for each type of insurance, and each requires a unique approach. For example: 

Builder’s Risk Insurance

Construction-phase risks associated with fire are different in mass timber buildings than with most other framing systems. Since the timber elements have inherent fire-resistance capabilities, a building has a certain level of fire-resistance as soon as the frame is erected. Protection doesn’t rely on (and wait for installation of) materials such as spray-applied fire proofing. The potential for faster construction can also mitigate several risks. Less time under construction means less time for potential hazards such as theft, arson, etc. 

Fixed Property Insurance

In addition to safety, fixed property insurance for mass timber buildings requires an understanding of performance related to things like moisture, durability and building enclosure detailing. Much of the fixed property insurance discussion is also site-specific—e.g., Is the area prone to flooding, earthquakes or high winds? Mass timber has been rigorously tested against potential natural disasters as demonstrated in the test and research reports linked below. 


Support for Building-Specific Insurance Issues

We offer free one-on-one project assistance and can help you navigate building-specific insurance issues. In addition to supporting design and construction teams, we can also interact with brokers and insurers to answer their questions related to mass timber’s performance. To request assistance on your project, contact your local Regional Director or email the WoodWorks help desk at help@280760.com

Mass Timber Insurance Resources

WoodWorks maintains a growing list of resources that demonstrate mass timber’s safety and durability, including the results of testing, research and ongoing monitoring.

Mass Timber Building Trends: 
Fire Performance:
Post Fire and Sprinkler Remediation:
Wind:
Earthquake:
Moisture Protection – Construction Phase:
Building Enclosure & Related Long-Term Moisture Topics:
Interviews with an Insurer:
Other Mass Timber Resources:

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