The subject of RAAC in buildings has been a highly prominent topic in the news recently, with many schools, hospitals and other pubic buildings found to have this type of building material present.

However, some other buildings, both residential and commercial, will have been built using RAAC, and below our Claims Handler, Oscar Camilleri, discusses some of the implications.

What is RAAC?

RAAC is a lightweight form of precast concrete, frequently used in public sector buildings in the UK from the mid-1960s to the 1990s.

It is mainly found in roofs, occasionally in floors and walls. Visually, RAAC planks may look the same as pre-cast concrete, and may be hidden above false ceilings.

Research has shown that this material has a far lower structural loading capacity than other generic reinforced concrete products. Its condition deteriorates further if water is present, due to leaks from roofs etc, which can compromise the reinforcement bars contained within RAAC planks.

Are buildings with RAAC safe?

The safety of buildings constructed with autoclave aerated concrete (AAC) or RAAC depends on various factors, including the quality of construction, maintenance, and the specific conditions they are exposed to.

Over time, if not properly maintained, these materials can deteriorate, potentially leading to structural issues. However, not all buildings made with AAC or RAAC are inherently dangerous. It is crucial to assess the condition of each structure individually to determine any potential risks.

AAC or RAAC was used in the construction of our building!

RAAC planks have an estimated life expectancy of 30 years, however this can be extended with regular maintenance. If RAAC is suspected, we advise to speak to a professional or a qualified structural engineer for guidance. 

Do I need to inform my insurers?

If RAAC is present in the structure of the building. This is considered a material fact which can affect the judgement of an underwriter, and you have a duty to inform your buildings insurers as soon as possible. Failure to do so could invalidate your policy or a claim.

Will this affect my policy and insurance premium?

Due to the increased risk of collapse, Insurers may opt to increase the premium, impose special terms (example: regular maintenance & inspections), or refuse cover.

Can I make a claim to repair or replace the RAAC planks?

All building policies contain a standard exclusion, which refutes claims where the damage is a result of defective building design, defective building materials, or gradual deterioration. RAAC planks fall within this exclusion, so insurers will not be able to financially assist.